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Old 12-29-2006, 11:02 AM
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Debt Collector, What do I do?

In the last month I've started getting calls on my cell phone for a certain individual from a debt collector looking to collect a debt. I've told them twice that I am not the individual they are looking for and that they have the wrong phone number. Both times they have told me they would remove my number from their database but I'm still getting calls from them. Our names aren't even close to each other, except for the fact that both of our first initials start with "M". What is the best way to get these guys to stop calling me?

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Old 12-29-2006, 11:26 AM
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I would make a phone call to that colection agency and tell them what is going on and to quit calling you. If it happens again and it bothers you then get your number changed. If it were me....everytime I answered and it was them I would scream so loud that it would hurt thier ears and then hang up. After awhile they will quit...don't let it get to you...its no big deal.
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Old 12-29-2006, 11:26 AM
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Contact your local State's Attorney explain the situation and see if you can file harassment charges if they don't "cease and desist". If he says yes then call them, ask to speak to their office manager and let him know you have been in contact with the State's Attorney and what legal options are available to you if they do not correct their records and stop the calls. I had a bill collector who did not identify herself as such calling my desk asking for one of my employee's claiming to have "urgent personal" business, we have caller ID so I Googled the number and it came back to a finance company. I notified our HR Dept. and the next time the collector called the switchboard transferred her to our company's attorney instead of me. Haven't had any calls since.
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Old 12-29-2006, 11:39 AM
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Quote:
Originally Posted by Hippie
"urgent personal" business
Yeah that's the same message I get. "This is a personal business matter" From what I have read, they seem to care more about getting "their" money rather than getting the right person.
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Old 12-29-2006, 01:04 PM
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That's their business though. You have know idea what people will do to keep from getting these harassment calls. Life threat's, harassment threat's, lawsuit threat's, Cussing, screaming, crying, begging are all not uncommon. In Mo, there are few rules and regulation regarding this. The state kinda assumes you deserve it for not paying your bills.
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Old 12-29-2006, 01:36 PM
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My mother had the same problem last fall. I finally had her call the police and they got it straightened out. They asked info that was not shared between mom and the debt collector. Kinda like a middle man. Even though mom and this other woman had the same name thier personal info was not of course. They finally stopped calling. I think your right, they don't care who pays as long as someone does.
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Old 12-29-2006, 03:09 PM
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National "DO NOT CALL" Registry

I have this on my home phone and it works like a champ! Have not had mortgage brokewrs, long distance companies and the like calling for aver a year. Local charities are still allowed to call. I have not tried it for cellular, but I am sure it works the same way. I was skeptical, but I figured what did I have to lose. Click the link, read, and decide for yourselves...

National Not Call Registry
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Old 12-29-2006, 09:43 PM
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I had the same problem for many years. They were even calling me by the wrong name but were CERTAIN that I was their man. LOL....

These agencies use the shotgun approach to finding their quarry. They call many people with the same name in the target area and keep calling till they narrow it down. The madder you get, the more they call.

I used to have a cordless phone and a speaker phone. I could get some feedback that would make Jimi Hendrix proud when I put them close. When the collection JERKS called me, I'd just start up that feedback. They hung up quickly then I'd call that 800 number that they leave you and I'd let'em have it again with the feedback. I did that about ten times in a row once and they got really mad because I was tying up their toll free line. I GOT THEM MAD!! LOL!

But the law is different everywhere. Here in TexAss I heard that you have to send them a physical letter stating that you are not who they are looking for. I didn't do it because it's not up to me to do THEIR JOB.
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Old 12-31-2006, 07:33 AM
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Tell them to send someone over to your house and you will get it straightened out in person. Be polite and don't sound threatening. If they do send someone over explain to them in person what is going on. Then tell them that the next time you will file charges against them for phone harrasement. If not, get their number, call the BBB and explain to them and maybe they will send a letter. One thing to remember is that their job is to collect the money at all possible cost and I imagine that your excuse to them that you are the wrong person...they have heard that many times over so that is why they keep calling. Don't get me wrong, I am not condoning what they do. They can be lower than a snakes belly and I'd like to wring their necks also because of the tactics they use but some of them are younger people and only doing what they were taught to do and that is to get the money at any possible means. One on one confrontations seems to really work wonders though.
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Old 12-31-2006, 07:47 PM
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Quote:
Originally Posted by Kevin45
If not, get their number, call the BBB and explain to them and maybe they will send a letter.
I am going to send them a letter myself if they call again and I'll send it certified mail. I have their phone number and the name of the company I just need the name of a particular person of importance there. I have read that if you send them notification in writing stating that they have the wrong person they are required by law to stop immediately or explain their justification for believing that they have the correct person. After that if they keep doing it then have a lawyer contact them. Hopefully I won't hear from them again.
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Old 01-01-2007, 08:07 PM
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First off I was one of those annoying "Debt Collection Specialists"
If you tell them not to call you anymore we are not allowed to call you . Here in Canada we are governed by the Consumer and Business Act which holds our collectors license. All you have to do is tell them to stop calling you .. and further more they are not allowed to call a cell phone . YOu can start by telling them it is a cell that they are calling and they will be responsible for paying any further calls made to your line.. Second of all find out who the governing body is in which holds the collectors license and report them for harassment.. After you have told them not to call .. they cant.. and further more they cant call you if they have not sent a collection letter. A collection letter tells you about the debt who you are indebted too and the person of whom the debt belongs. This is your time to get the facts straight and to notify them of any discrepancies or mistakes as it has happened here in your identity

Hope this helps .....
Pup
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Old 01-01-2007, 08:55 PM
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Quote:
Originally Posted by chevyluvnpuppy
First off I was one of those annoying "Debt Collection Specialists"
If you tell them not to call you anymore we are not allowed to call you . Here in Canada we are governed by the Consumer and Business Act which holds our collectors license. All you have to do is tell them to stop calling you .. and further more they are not allowed to call a cell phone . YOu can start by telling them it is a cell that they are calling and they will be responsible for paying any further calls made to your line.. Second of all find out who the governing body is in which holds the collectors license and report them for harassment.. After you have told them not to call .. they cant.. and further more they cant call you if they have not sent a collection letter. A collection letter tells you about the debt who you are indebted too and the person of whom the debt belongs. This is your time to get the facts straight and to notify them of any discrepancies or mistakes as it has happened here in your identity

Hope this helps .....
Pup
I will remember this if they call again. I have not received any notice because I am not the person they are looking for. I've told them that. Both times I told them they are calling my cell phone and that they have the wrong person. Again I hope they don't call again but I'll make it very clear to them if they do. Thanks for the info.
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Old 01-04-2007, 05:26 AM
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Federal law is on your side if you follows the rules.

First if they send you a notice of debt you should always respond and keep a copy of the letter. If you do not to a degree down the road it could be held against you (one of the laws little quirks) unlikely it will but it will not help.

Have him send you a statement for what he says you owe.
type a letter saying that this is not you and if you tarnish my credit with this you will sue, along with the phone calls are to stop now.

The above three points must be made in the letter to protect yourself.
Keep a copy and send registered mail.

This will end the calls as all they are trying to do is scare someone into paying the old debt and this does work very often, the collection agency could care less if its your debt or not.

Edit:
By the way so you don't feel like you have been singled out, what these A-H's do is pick out 10 maybe twenty like names in spelling and all of them are getting the same calls you are. If its is a small debt some poor granny will just pay it to save her credit and that is what they want.

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Old 01-04-2007, 10:03 AM
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Quote:
Originally Posted by 345coupe
I have this on my home phone and it works like a champ! Have not had mortgage brokewrs, long distance companies and the like calling for aver a year. Local charities are still allowed to call. I have not tried it for cellular, but I am sure it works the same way. I was skeptical, but I figured what did I have to lose. Click the link, read, and decide for yourselves...

National Not Call Registry
Tried to register, but I guess it doesnt work in Canada............Maybe there is a different one here...anyone know?
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Old 01-04-2007, 12:44 PM
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My son in law is being harassed right now by a credit company as well as a federal agency. They lived in Texas for a couple of years and he has the same basic name as the guy they are looking for, but, he is not Ed ... The Third, his SS number isn't even close, they've lived in England for 4 years (including the time when the bills weren't paid), he is Scottish (Dual citizenship, also US), he is white, while the other guy is not. My daughter has also called them from England - not a person to upset - and gone thru it 2 or 3 times. They were here at Thanksgiving and he spent about an hour talking to the collection agency and have provided them with documentation that he ain't the guy. A federal agency (IRS) called last week, again trying to find him - and they even acknowledged the Thanksgiving time call happened but I have to assume that it isn't over.

Do not call registries don't work for collection agencies - they seem to have a free pass.

I'm waiting for a process server to show up at my door now since my address is also their USA mailing address. That will probably get a cop here to escort the server off my property.

Isn't it fun

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