My adult daughter hasn't lived with us for more than 10 years, and whatever bill they are calling about has to be at LEAST that old. I tell them she hasn't lived here in 10 years and because I won't tell them where she is NOW they call and harrass me constantly. They are nasty and rude and insulting. How do these bill collectors try to collect on a debt that is more than 10 years old anyway? Is there something you can do to make them stop calling you if someone TRULY doesnt live at your address any more? By the way I live in Massachusetts if that is relevant.
2007-04-25 13:05:22 · 14 answers · asked by Anonymous in Business & Finance ➔ Credit
At first I wouldn't tell anyone my daughters address or phone number because I didn't know who was asking and they wouldnt tell me who they were. Im not gonna just randomly give out family addresses after all. reaking stop calling me!
2007-04-25 13:42:27 · update #1
Send them a full cease and desist letter.
Do not sign the letter, print your initials or just type your name.
Send it certified mail return receipt.
Include in the letter that the person they are trying to contact does not live at that address and that you have repeatedly informed them of that fact every time they have called you.
By the FTC, they really do not have to stop contact unless it is requested in writing.
By law, they have the right to contact a person "one" more time after receiving a full C&D. That contact "cannot" be for debt collection purposes.
(it is generally for telling the debtor what they plan on doing with the account, but they could probably call to tell you they are not going to call you any longer - they cannot ask you about your daughters whereabouts in that call)
Since you didn't say what type of debt it is --
Massachusetts collecting SOL statutes --
Open Acct. other than Sales: 6 years
Contract: 6 years
Sales (UCC) Contract: 4 years
Domestic Judgment: 20 years (presumed satisfied after 20 years)
Foreign Judgment: 20 years
Contracts Under Seal: 20 years
Keep in mind that government debts, taxes, etc., school loans, etc., do not have a collection SOL.
2007-04-25 13:49:13 · answer #1 · answered by echo 7 · 1⤊ 0⤋
After 10 years, most debts are beyond the statute of limitations for collection, unless you or your daughter admits they're owed. Check out Bud Hibbs' website.
2007-04-25 15:03:54 · answer #2 · answered by shojo 6 · 0⤊ 0⤋
ask for their address and write to them telling them to stop calling. they will have to stop or you can sue for harrassment. Be aware that you will need proof that you wrote to them, send the letter registered so they have to sign for it and you get a return copy of that signature for your records. Otherwise, change your phone number. Tell your daughter to call them to give them her information, give them the contact information for your daughter. it's her problem after all.
2007-04-25 13:37:42 · answer #3 · answered by Anonymous · 0⤊ 0⤋
They are violating the Debt Collectors Act and tell them that you are recording their call. Tell them NEVER to call you again. If they call you again, get an attorney and sue them and WIN.
2007-04-25 13:43:09 · answer #4 · answered by kbemje2000 1 · 0⤊ 0⤋
I have listed a source below that has fair debt collection practices by federal law and how to report them.
2007-04-25 14:13:34 · answer #5 · answered by Anonymous · 0⤊ 0⤋
Tell them to send everything in writing,then send the package to the State Attny. Generals office department of corparations.
2007-04-25 13:21:44 · answer #6 · answered by SMEAC 4 · 1⤊ 0⤋
Next time they call, tell them that if they call again you'll report them for harassment. Then do it. If it's legal in your state, I would tape the conversations as well; you might be able to sue them for that behavior.
2007-04-25 13:31:40 · answer #7 · answered by William S 3 · 1⤊ 0⤋
They are violating the debt consolidation act. It will be better if you consult some debt consolidation company in your area and they will phone you up and then ask about your problem and then they will handle everything by themselves.
To know more you can visit
http://debtconsolidationmanagement.blogspot.com
and
http://geteasyloans.blogspot.com
2007-04-25 14:19:38 · answer #8 · answered by Anonymous · 0⤊ 1⤋
Is it a legitimate bill ? if so what makes you think your daughter is exempt from paying her bills ? If this was my daughter i would tell her to settle this at once otherwise i will give them her address .I would be ashamed of her.
2007-04-25 13:21:23 · answer #9 · answered by Maka 7 · 1⤊ 1⤋
Are you sure you don't owe them money? If you're sure, then you should contact the police and report the harassing behavior. They will act or put you in touch with an agency that will act.
2007-04-25 13:13:15 · answer #10 · answered by Anonymous · 0⤊ 1⤋