Swiss Funds Financial has called me every day, sometimes several times a day for the last two months. I finally called them back today and found that they are trying to collect on a gym membership to Fit for Life. Oddly, I don't owe Fit for Life anything. I had a membership once, two years ago. I paid for it for the length of the term and when it expired, I canceled. They kept billing me, so I blocked them from auto billing my card. Now Swiss Funds Financial says I owe them over $200. Obviously, Swiss Funds Financial purchased some bogus accounts receivables that Fit for Life sold to them. And Fit for Life would need to sell bogus accounts receivable because they obviously can't run a business and keep proper bookeeping so they're probably going broke. I hired a lawyer. Anybody can hit your credit report with anything they want. But if you dispute it, they must, by law, prove you owe the money. Otherwise, the bureaus are required to remove it from your report. Swiss Funds bought a bunch of paper and they just want to scare you so they can squeeze out some blood money. You have rights under the law.