Thank you for the response. I have absolutely no problem dealing with threats and brinkmanship in most situations. My particular concern is that they are claiming that because the account in question is a commercial account and not a personal account, they have free rein to do whatever they want. They are claiming this is because I signed a personal guarantee (I looked at the date in question, and I was nowhere near a computer or a place where I could have opened the account, so I know that's false) that they can come after me personally. They are basically mixing and matching aspects of commercial collections with those of personal collections and hoping I won't contradict them.
So my specific question is where do I draw the line? I know the law down pat when it comes to personal collections, but am ignorant of commercial collection law.
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