Harassing calls from a debt collector? Here is what you need to know

NCO Financial are legit. If you are not the person they are trying to reach, why not tell them so? Because (and this is then on you) if a new account comes in for that person withe the SAME phone # and you never told them it wasn't their phone # in the first place, YOU will be called again on that new account. And it's not wrong since you didn't tell them it wasn't the right niumber in the first place. No be lo lo.

Skiptracing.

Stopping you there: "DO complain to the parent company that hired the telemarketer.  It may not go far but you may feel better.  See the FCC paragraph above."

Collectors are not telemarketers. Therefore it is none of a third party's business to know who asked them to collect the debt. It's confidential information.

It is none of your business, they are correct. Just tell them to stop calling, it's a wrong # and if they won't ask for the supervisior. Problem solved.

Dude, you're responding from comments that were posted here over a decade ago and just clogging up these pages.
Surely you have something better to do with your time.

You make an object lesson of a long-gone third party not being entitled to know "the original merchant", going out of your way to find the springboard on page 11. Yet you've nothing to say of the standard bullying tactic of mock disbelief, the ritual misuse of skip trace calls.

Meanwhile you think the ideal practice of your own debt collection workplace is the industry norm. Millions of us in North America have a much different experience and cannot "just tell them to stop calling". More than twice I've had to repeat myself on the phone and by mail, but the offending agency considers breaking the law a cheaper option .... until of course maybe a year after I've served a summons and complaint and swatted down ridiculous whining from hired counsel. Only by the day I deposit the defendant's check is the "problem solved".

Point being, I shouldn't have to "ask for the supervisior" [sic] or burn a hundred hours on motion filings to get the fair treatment I'm due. Where are those same managers during compliance training? Sharpening their claws? Teaching all the ways to bend the law before anyone notices?

} recording ... would be thrown out of court.

Uh-huh. Text won't convey, but this is my "not worried" face.
1)  Federal law and three-quarters of the states support single party consent.
2)  Debt collectors routinely remove the expectation of privacy by announcing their own recording.
3)  The harm meant to be prevented by so-called "wiretap law" is greatly overshadowed by the harm to a consumer which evidence recordings preserve.
4)  Few FDCPA cases go to trial. Defendants typically find it easier to settle out as a cost of bad business than make a stink over details. Therefore neither oral arguments nor recordings are heard by a judge.
5)  Law enforcement, Federal regulators, and journalists rely heavily on recordings of bad behavior to demonstrate the severity of lawbreaking. You don't hear any of them crying "wiretap", only the business which is publicly shamed.

Block them and tell your telphone  company they give you a new number and they will get them  never give any imformaton to a unknow caller    keep track of your card never  trust  knowone if feel supsuious   tell them  nothing then report on here   you can get the last number from your phone service also tell them  re the call they will  go after them as well   keep  a small note book of any unsulal calls  call the phone company   i have gone so far as report the fbi in the usa andin canada the rcmp  computer crimes in canada  do not give nothing zero data  ty   22/23 2019

Please  do something  to stop these people   that number is thre  also the guy said it was his old number  but i m concerned   they might be after my  car  i live in quesnel bc  its low income seniors  and  we all have cars   please contac the rcmp in quesnel bc and head office  ty d h

That is why such a message is left. It conveys urgency yet doesn't say on a voicemail that anyone owes anything.  Legally, you can be contacted once a day at home almost forever. Relatives can be contacted twice. Can;t contact at employer after asked not to. It it is legal to attempt to collect debt older than 7 years. It just can;t be on your credit report longer than 7 years after you last acknowledged it. Every time you pay or say "It;s mine" the time starts over.

And, the original creditor or the person that bought the debt can continue to try to collect it. 7 years later, especially f it is a large debt, they can use all legal means. In MOST cases, an $800 debt will be written off, but I have seen creditors take those to court in batches, sue 500 ppl at a time for smallish balances.

A debt mediation house can be your best bet. It is there because the owner of the debt is thinking of taking it to court.  That can add 1,000 right off the bat.  You can get a 60 cent on the dollar settlement and in a lot of cases get a statement that it was paid in full rather than settled. If you play ball rather than freaking out over the oddly worded voicemail, you could win, big.

Breaking the law is NEVER a cheaper option. The collector or mediator will pay, not the agency.

I haven;t dealt with anyone in Canada. But if they say 'attach assets' they normally mean income or home lien. In the US we don't attach disability or social services cash benefits. I have never heard of trying to take a car? I have seen people that owe money to a vehicle creditor and when you pay we tell the creditor to release the pink slip. We don;t have any interests in cars.

They can call you twice. Generally that is 2 unanswered voicemails. But if you answer and say you will pass the message, they can call you a couple times more to ask if  you 'gave the message'. I, personally, do not check up on people who nicely took down the message who aren't the dbtr. If they call you again, tell them to f off, that you did what you were asked to do and won't do it again.  also, the message should only be a company, number and case #. Nothing else.