Manatee
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Nicole, I'm not sure what state you are in or country, but here in Florida, there are specific guidelines that Consumer Collectors have to follow. I've provided the link, but keep in mind this will vary state by state. Try and search for your states's laws regarding that issue. If a collector calls, simply inform them of this law, and tell them they are in violation of it, and that the person to which has the debt does not reside at your home. Let them know that you will file a complaint with them, (be sure to take the name of the person, date, time of call, and keep a log) and refer to the caller that you've received repeated calls of that nature, and demand they immediantely cease.
So long as you aren't a co-signer of any loan, and you haven't offered colateral for a loan, it is in my opinion that you should not be getting calls. Perhaps your brother listed your number as a contact number at one time, but inform them, as you already have. However, it helps to mention to the caller, your educated understanding of your own rights, and that you are aware of the companies violations.
Collectors will diligently pursue all avenues, even against laws and standards to collect a debt, some of them are quite rude in fact. Stand up to them, fearlessly. Good luck to you! |
Amanda H
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All you do is take the envelope and write, "NOT AT THIS ADDRESS" on the outside and stick it back in the mailbox. If they call you say that your number is not the correct contact number for him and that you do not have any information. If they continue to call, ask for their supervisor or report the company for harassment. |
Lake Lover
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Get the name of the company, the address and their phone number, the person you are speaking with and the date and time - record on a piece of paper. Draft a letter to that company and do it return-receipt requested. It's good to have it in writing bc they violate laws if they continue to harass you like that. |
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