Collection of arrears and sipute

What is the name of your state? NJ

A wireless phone company has turned my account to a collection agency in GA. The amount they are seeking is $450 and according to my records my arrears were $140.00. They are tagging an early cancellation fee (which is not valid as I had their service for 4 years) and a collection fee of ($70).
The agency tells me that I can pay the $140 and dispute the rest of the amount.
Any thoughts, and what is deemed to be reasonable time of the day for the collection agency to call a persons home. Also should I deal with the agency or send them a desist letter and deal with the wireless company.

Thanks

They may not contact you before 8am and not after 9pm (your time.)
You need to work out whatever dispute you have as to the early termination fees etc with the cell phone company. The agency is not responsible for that.
If you are unable to come to an arrangement with the cell company, you may need to pursue legal action if it's important enough to you to save that money.
I would imagine that the collection agency is working on behalf of the cell company, and does not own the debt, right?
I would suggest that you do a debt validation, but the agency will only validate what you already know - that the cell company is saying you owe money you don't.
If you want to play rough, send the cell company a certified letter with your evidence that you did not terminate early, demanding they adjust your amount due. If they fail to, it's your choice whether or not you want to pursue legal action.
Remember, anything that's not in writing does not mean a thing. Always get ANY agreements in writing.

[Ladynred]

IF you can deal with the wireless creditor, do so, but they may not talk to you.

I don't think its legal for them to tack on collection fees.. I know the FDCPA doesn't allow it.

As for reasonable times - per the FDCPA the collection agency cannot call you before 8AM or after 9pm your time. Anything outside of that timeframe is a violation of the FDCPA.

As for the cancellation fee.. I'd go thru your contract and see what it says. If you fulfilled your contract obligations and they didn't automatically renew, then I don't see how they could charge you a cancellation fee.