someone please help! creditors call my house number all the time..im not the one they are looking for..?

Question

they dont believe me
they've said that they will try to do something and call me back and never do. apperently this person whom had this number before veryfied it and thats why they dont believe me:(
then it starts again..they are so rude to me!
i ask how did you guys get this number? and they reply,
we cannot disclose this information.
its ridiculous
i have hypertension and they just end up upsetting me..seriously i feel like im going to faint at times.
please help is there anything i can do..
maybe a site that will delete my number?
thanks in advance

Answer 1

Welcome to the club.

You can either change your phone number or live with it. Changing your phone number probably won't even stop the calls. There is no do-not-call list. There is no database.

Each time a collection agency buys an account, they start a new file for it. They use software to generate possible phone numbers for the deadbeat person and they start calling these numbers. If they reach a real live person who swears up and down that the phone number is incorrect, the person doesn't live there, they don't know them, etc, the agency will mark the phone number as bad for THIS FILE ONLY. If they buy another debt for this person, they will start the process all over again. (I have googled the phone numbers every time this happens to find out which company is calling. Officially, they cannot tell you that they are a collection agency or even that there is a debt, but some companies will slip and tell you.)

If you do not call the collection agency back, they will call again and again. Different times of day, every day for a few months. Changing your answering machine message won't make a difference as these calls are made by computer.

I get these calls frequently. The deadbeat has my last name and the same first initial. That's good enough for the software to think there is a match. This deadbeat has a lot of bad accounts--why people keep giving her money, I don't know.

Answer 2

My husband is a debt collector (he has two college degrees but no luck finding a job in his field). I know a lot about the industry thanks to him. Debt collecting agencies employ people to do "skip-tracing", which is when they use any available resources to find a debtor. They use the internet, call relatives, anything to find the debtor. Once they have a phone number, they start the calls.

Debt collectors are allowed to make one contact a day per debtor. A contact is leaving a message or talking to a person. This is why they might call several times and not leave a message.

What you can do:
Request that they give you all the information they have about the account.
Request that they only contact you by mail. If they contact you by phone after you have requested mail-only, you can sue them because they would be breaking debt-collecting laws. Sometimes a threat to sue works, because at some companies, the employees are personally liable if they cause a lawsuit.

Remember that debt collectors are people too and they are just doing their job. They are used to being lied to on a daily basis. Being cursed out or having their life threatened happen at least once a week. That being said, they have no right to harass you or any other debtor or person who has been mistaken as a debtor.

Answer 3

The next time they call, ask them for their full legal name (of the collection agency) and mailing address. They have to provide you this by law.

After you get the name and address, tell them that you have contacted an attorney and are going to sue them for harrassment. Tell them you have been keeping a log and that what they are doing is illegal.

That should stop them, but if it doesn't, keep a log and send the info to your state's attorney general.

Good luck

Answer 4

see u din't discribe about the people who r calling u .if they r from company for recovery then u just write down the name of company and what they r looking for and the name of person who is calling u and record the calls and while the conversation u say that there is no 1 by that name and u people r harasing me if they r from any company or an organization.then u can be a member of consume law and afterwards with all proofs u can file a case against them and u demand a money in case of mental harasment...IF THEY R NOT FROM ANY KIND OF ORGANIZATION U CAN WRITE DOWN THERE NUMBER AND GIVE IT TO POLICE OR SUE THEM ASWELL.....HOW U LIKE MY SUGGETION PLZ LET ME NO IF WHY AND NT THEN WHY OR U CAN CALL ME ON 09873035608.BUNTY BAJAJ

Answer 5

Or better yet, get call waiting (if you dont already) and just ignore the creditors calls!

Its definitely not worth getting upset over. Look at the bright side, they are not after you!

Answer 6

First of all, check your credit score regularly to make sure they aren't affecting it, call the Better Business Bureau or an accredited credit bureau & report them, and change your phone #

Answer 7

call your telco and have your number changed.

if these people really are calling an old number for someone else, the calls will cease.

Answer 8

Try hanging up.