John
Louisville,#2Consumer Comment
Tue, April 05, 2011
Debt collectors often have trouble locating debtors, so they start harassing the first person they can find with a similar name, address or phone #....esp. with cell phone #'s.
- How to stop collection agency harassment for a debt that is not yours: Send/fax the collection agency a letter via Certified Mail + Return Receipt (do NOT use regular mail) stating:
Per the Fair Debt Collection Practices Act, cease all communications with me and stop all phone calls to [insert your phone #]. You have the wrong person and this is not my debt. Receipt of this letter is officially being time stamped via Certified Mail.
-----------------------------
If they keep calling, read the following statement to them:
- Be advised that this call is being recorded. If you do not consent to being recorded, you need to terminate this call. Continuation of this phone call after officially being informed that it is being recorded implies consent to be recorded. This recording will be used to pursue Fair Debt Collection Practice Act violations in a court of law.