dealing with debt collectors

hideouse · 02-11-2008, 03:41 PM

I do not have any outstanding debts. I am getting phone calls from collector's looking for my brother in law. Any tips on how to get them to leave me alone?
My Bro in law is hard to track down. I don't like collections agencies and am reluctant to give them anything, they call me without identifying themselves and ask me who I am, they keep calling back after I've said than no one of that name lives here.
Hmph.

glatt · 02-11-2008, 04:03 PM

Quote:

Originally Posted by hideouse

they call me without identifying themselves and ask me who I am, they keep calling back after I've said than no one of that name lives here.

Sounds like they are in violation of the Fair Debt Collection Practices Act and can be fined. Read the link carefully, and also read the actual law, which is here.

If they call again, tell them they are in violation of section 1692d of the Fair Debt Collection Practices Act and that you will be reporting them to the FTC. They can be fined for each instance of violation of this act.

I'm not a lawyer, but I did study this act when someone tried to collect a debt from me that I didn't owe. It gives you powerful protection. (Of course, I don't know how seriously the Bush administration enforces this law these days.)

monster · 02-11-2008, 08:58 PM

What he says.

When they call, ask them to state their name and purpose "for the record".

deadbeater · 02-11-2008, 09:19 PM

Ask them who they are. If they refuse to answer, resort to all measures to block their calls.
Kind of sad that even glatt is doubtful of Bush's vigilance when businesses go bad.

hideouse · 02-11-2008, 11:26 PM

thanks everyone, you guys are great. This is just what I need.

glatt · 02-12-2008, 07:50 AM

They are also violating section 805(b) which covers communications with third parties. You are a third party concerning your brother's debt. They may not contact you about his debt. They are violating federal law.

lumberjim · 02-12-2008, 08:08 AM

i'd think there was some kind of HiPPA violation too....unless you just said that, glatt. seems like a person's debt is a private matter.

do us all a favor, and make them pay, hideouse.

hey, explain that user title, would ya?

TheMercenary · 02-12-2008, 08:59 AM

Quote:

Originally Posted by lumberjim

i'd think there was some kind of HiPPA violation too....unless you just said that, glatt. seems like a person's debt is a private matter.

do us all a favor, and make them pay, hideouse.

hey, explain that user title, would ya?

HIPPA only covers protected medical information for the individual. There may be a case if the bill is an unpaid hospital bill.

Undertoad · 02-12-2008, 10:08 AM

(that's an auto-generated user title)

lookout123 · 02-12-2008, 11:49 AM

yeah, but maybe the newb can explain what it means.

lumberjim · 02-12-2008, 01:12 PM

Quote:

Originally Posted by Undertoad

(that's an auto-generated user title)

i was actually referring to his/her user name......not clear the way i wrote it though.

is it hideous? as in unattractive?

oh, and june of 05 is hardly newbish

Flint · 02-12-2008, 01:21 PM

you're banned from posting until you can start making some sense

Clodfobble · 02-12-2008, 01:57 PM

Quote:

Originally Posted by lumberjim

is it hideous? as in unattractive?

My brain has always read it as hid-ee-owse, specifically imagining it to be the blending of "hideous" and "mouse." I'm certain that's not what the person actually intended, but that was my initial impression of the word and it's stuck.

lookout123 · 02-12-2008, 02:06 PM

Quote:

oh, and june of 05 is hardly newbish

HA! my bad. I didn't even look at the register date, I just had it in my head he/she was a newb.

lumberjim · 02-12-2008, 03:51 PM

Quote:

Originally Posted by Flint

you're banned from posting until you can start making some sense

YOUR MOMMA IS BANNED

02-11-2008, 03:41 PM	#1
hideouse Coronation Incarnate Join Date: Jun 2005 Posts: 91	dealing with debt collectors I do not have any outstanding debts. I am getting phone calls from collector's looking for my brother in law. Any tips on how to get them to leave me alone? My Bro in law is hard to track down. I don't like collections agencies and am reluctant to give them anything, they call me without identifying themselves and ask me who I am, they keep calling back after I've said than no one of that name lives here. Hmph. __________________ If you need a straight line, I've usually got a few to spare.

02-11-2008, 08:58 PM	#3
monster I hear them call the tide Join Date: Dec 2005 Location: Perpetual Chaos Posts: 30,852	What he says. When they call, ask them to state their name and purpose "for the record". __________________ The most difficult thing is the decision to act, the rest is merely tenacity Amelia Earhart

02-11-2008, 11:26 PM	#5
hideouse Coronation Incarnate Join Date: Jun 2005 Posts: 91	thanks everyone, you guys are great. This is just what I need. __________________ If you need a straight line, I've usually got a few to spare.

02-12-2008, 08:08 AM	#7
lumberjim I can hear my ears Join Date: Oct 2003 Posts: 25,571	i'd think there was some kind of HiPPA violation too....unless you just said that, glatt. seems like a person's debt is a private matter. do us all a favor, and make them pay, hideouse. hey, explain that user title, would ya? __________________ This body holding me reminds me of my own mortality Embrace this moment, remember We are eternal, all this pain is an illusion ~MJKeenan

02-12-2008, 11:49 AM	#10
lookout123 changed his status to single Join Date: Apr 2004 Location: Right behind you. No, the other side. Posts: 10,308	yeah, but maybe the newb can explain what it means. __________________ Getting knocked down is no sin, it's not getting back up that's the sin

02-11-2008, 09:19 PM	#4
deadbeater Sir Post-A-Lot Join Date: Dec 2006 Posts: 439	Ask them who they are. If they refuse to answer, resort to all measures to block their calls. Kind of sad that even glatt is doubtful of Bush's vigilance when businesses go bad.

02-12-2008, 07:50 AM	#6
glatt ™ Join Date: Jul 2003 Location: Arlington, VA Posts: 27,717	They are also violating section 805(b) which covers communications with third parties. You are a third party concerning your brother's debt. They may not contact you about his debt. They are violating federal law.

02-12-2008, 10:08 AM	#9
Undertoad Radical Centrist Join Date: Jan 2001 Location: Cottage of Prussia Posts: 31,423	(that's an auto-generated user title)

02-12-2008, 01:21 PM	#12
Flint Snowflake Join Date: Mar 2006 Location: Dystopia Posts: 13,136	you're banned from posting until you can start making some sense __________________ **************** There's a level of facility that everyone needs to accomplish, and from there it's a matter of deciding for yourself how important ultra-facility is to your expression. ... I found, like Joseph Campbell said, if you just follow whatever gives you a little joy or excitement or awe, then you're on the right track. . . . . . . . . . . . . . . . . . . . . . . . . . . Terry Bozzio**

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