866-816-1066

This company continualy phone our number even thought we have only been in the country 1 month about a 5 year old debt.  We have no SSN, a bank ccount which has no overdraft facilty and no loans (on account of us only being here for the next 2 years and our visa stating so).  If you threaten leagal action they go away for a while but how else can you get rid of such calls when the person is obviously nothing to do with you.  I also agree they are very rude and do not respond well to I know nothing about this person.  They do not listen and kept telling me my husband had another name and had been living here since 2003 (if so he has fooled me as he was at home in the UK with me)Are there no laws against this here?

It is illegal to go after you for your parents debt! You can sue them for the collection efforts. They can only collect from your parents. If they no longer living; I believe that they have until the end of probate for the estate to file any claims. You should talk to a lawyer about these guys so that you can make some money from them and hopefully for the rest of us put these jerks out of business. Furthermore they are not allowed to talk to you about any debt other than your own. You should get thier address and send them a letter demanding that they stop calling you and proof of the debt. After this has been done they can't contact you legally until they can show that you owe the debt. When you tell them that they shouldn't call you this requires them to stop calling you unless they are going to sue you which they can't do legally. If they ask for your name you shouldn't ever give it to them. I have heard of companies asking for a persons SSN to verify that the debt didn't belong to a person and then changing thier records so that it looks like that person owed the money. I was told about this by a lawyer who was familiar with this case. You may also want to write a letter to your states attorney general about them and make sure that you keep good records of what was said and what threats they used to collect the money. This way you will have evidence for any court preceding or to give to law enforcement if necessary if you choose to go after them.

I have also heard of some of these guys changing the names on the debts so that they can stick them to other people because the original debtor is a real deadbeat that they would never be able to get money out of. This sounds like it could be happening to you.

DOES THIS MEAN THAT AFTER THE NUMBER OF YEARS HAVE GONE BY AND THERE HAS BEEN NO RESPONSE THEY CANNOT TRY TO COLLECT?  IF THEY DO CAN THEY GET INTO TROUBLE IF YOU WERE TO HIRE A LAWYER??  WE CONSTANTLY GET CALLS FOR SOMEONE WITH THE SAME NAME AS MY HUSBAND.  THE MIDDLE INITIAL IS DIFFERENT.  THIS GUY LIVES ABOUT 10 MILES AWAY.  EVERYTIE WE OPEN CREDIT WE START GETTING CALLS FOR THE OTHER GUY.  WHAT CAN WE DO??