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

6 years, 7 years is credit reporting

Send that letter and the collection agency CAN contact you one last time to tell you they're ceasing communications. But not collections practices in as much you can still be sued if you are working or own your home. And the creditor(s) allow it.

People in Chicago are rude period.

You see the problem with your reaction to his call right? He gave you the address they have on file and you didn't confirm it. Why would he send another one if you refiuse to verify your address? Thiink on that.

Talk to your ex.

It's none of your business.

It's past the statue of limitations by 3 years. However if you make a payment, you will reset the statute another 6 years (or what ever it is in your location). You just cannot be sued.

They can still collect the debt for the life of the creditor. However they can't be rude about it or demanding. Also 15 years is a waste of both yours and the collectors time, they need to just let it go. Also remember this, if you were married at the time of any medical service your ex had, by Hawaii law you are also responsible. Lastly if you tell them you're not paying this bill and you remind them how old it is, they should just stop trying to collect it. It's common sense. Then go beat up your ex, take your relatives to hold him down, cousins, uncles, aunties, sisters.

Unless you are listed as a co-signer of some type or the executor of her estate, you are NOT responsiible for her debts. Though I am loathed to say this, seek an attorney.

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?