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How do I get debt collectors to stop calling?


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#1 Panda Wizardry

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Posted 01 November 2009 - 07:57 PM

Let me start this off by saying that it isn't me who owes the money. They keep trying to call some person whose name is "Judith." I'm not Judith, and I've told them multiple times that the number they keep contacting is a cell phone number, which now belongs to me.

The last few times I've tried to get them to pass me over to their supervisor, but they usually hang up on me or cop an attitude.

The number keeps coming up as unavailable, so I can't try using google to find out what company it is that keeps calling.

Is there anything I can do to get these douchebags to stop calling me?

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#2 mission42

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Posted 01 November 2009 - 08:14 PM

Threaten to sue them for harassment (probably won't get you anywhere), change your number like Judith did, or just quit answering the phone when it says unavailable...

#3 georox

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Posted 01 November 2009 - 08:18 PM

Ask for the company they work for, then contact that company. Or, try to act like you will pay to get information about them, THEN once you get somewhere/get information ask for a supervisor/explain you aren't the person, and that you have the information you will file a harassment suit if they don't cease and desist the calling.

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#4 Koggit

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Posted 01 November 2009 - 08:21 PM

pay off judith's debt

#5 Fenrer

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Posted 01 November 2009 - 09:08 PM

My girlfriend had that issue when she first got her cell phone. She quit answering it after explaining she is the person they where looking for so many times. After 6 months or so they quit calling.

Right now at my apartment we had a couple move out and now we are getting automated debt collection messages on our answering machine all the time for both of them.

sooner or later they will get a clue, Otherwise legal action is probably the only way. Just hope that company doesn't just sell the information to another one and it all starts over again.
Good luck

#6 tcrash247

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Posted 01 November 2009 - 09:14 PM

pay off judith's debt


This.

#7 pure skill

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Posted 01 November 2009 - 09:40 PM



Problem solved.

#8 billyrox

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Posted 01 November 2009 - 09:44 PM

just be sarcastic and tell them you will pay them off. then when they act serious and try to get your info, SHOUT EXCEPT I"M NOT FUCKING JUDITH... and slam the phone

#9 DuelLadyS

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Posted 02 November 2009 - 12:06 AM

Tell them Judith isn't available, but if they give you the comapny contact info you'll have her call back.

Then call the number and tell them this isn't Judith's number anymore and if they call you again you'll file a police report for harassment. If you end up calling back the same person, say you need to speak to a supervisor and tell them. Expect this to take several attempts or an actual police report to work.

Aside from that- standard telemarketer tomfoolery sounds like fair game. My fiance stopped a particularly annoying telemarketer from calling my mom with bad foreign accents: "Hola! Jane? No, Jose- como esta? (*at this point the telemarketer responds in Spanish*) Oh, uno momento.... Guten tag! Jane? No, Tobias! Ja, Tobias!" Then he hung up.

You might try selling them something- "No, you've got a wrong number, but boy do I have a deal for you!" :lol:

#10 keithp

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Posted 02 November 2009 - 12:28 AM

Try this!

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#11 PhrostByte

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Posted 02 November 2009 - 12:35 AM

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#12 biscuit

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Posted 02 November 2009 - 12:49 AM

I had the same problem when I got my phone, and it took about 3 years before they stopped calling. They did not call often, so it was not too annoying. After a while I would just plug the numbers that were calling e into my contacts and use a silent ring tone so I would not hear them any more.

When I got my daughter a phone she also had the same problem. When they called one day I took the phone call and asked them why they kept calling and harassing a minor, and told them that is they called the number again that I would report them to the authorities for the harassment of a minor. All of this was true. I do not know if I was just lucky, but they never called her phone again.

#13 Kilraven

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Posted 02 November 2009 - 12:55 AM

Let me start this off by saying that it isn't me who owes the money. They keep trying to call some person whose name is "Judith." I'm not Judith, and I've told them multiple times that the number they keep contacting is a cell phone number, which now belongs to me.

The last few times I've tried to get them to pass me over to their supervisor, but they usually hang up on me or cop an attitude.

The number keeps coming up as unavailable, so I can't try using google to find out what company it is that keeps calling.

Is there anything I can do to get these douchebags to stop calling me?


First thing is note the date and time of the next phone call. Then request all communication to continue by mail, a copy of the transcript for the phone conversation, and the company's name and who the debt originated with (regardless of it being Judith's). Hopefully, you'll get all four of the above, if not anything you can get from them is good (you might even get lucky and the mere request for transcript will chase them off). Now, contact your state attorney's office, explain the situation, and if asked provide as much information as you can. Most states - at least, that I'm aware of - will supply you with a package in the mail to be completed and returned. It'll take a few weeks to a month or so, but it'll get cleared up. It also works well with zombie debt.

#14 Angry Man

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Posted 02 November 2009 - 01:20 AM

Blast RickRoll in the backround when they call. Eventually they'll stop..... hey it worked for me when this damn "non-profit organization" continued to call me asking for donations when I told them no.

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#15 Panda Wizardry

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Posted 02 November 2009 - 02:05 AM

Thanks for the info guys. I think I'll try and get info out of them by telling them that "Judith" isn't available and that she'll call them back. Hopefully they'll give me the damn info, because whenever I even try and get anything out of them they immediately hang up on me.

It's really annoying because they call every single day multiple times a day. It sucks because sometimes I forget to silence my phone when I go to work, and it ends up ringing and embarrassing me.

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#16 scsg75

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Posted 02 November 2009 - 02:24 AM

as a former debt collector, if you act like you know Judith they'll note that its a valid number for her and keep calling, probably even more. They can call as many times as they want a day if they believe it to be a valid number for her until they actually talk to her. Just keep telling them you don't know her, never heard of her, it's your cell phone they are calling and to immediately stop calling. It does not matter who they are, so don't ask. They can't tell you about her debt anyway unless you are married to Judith.



#17 AFRO insomniac

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Posted 02 November 2009 - 02:35 AM

Try this!

1waHJhb2wxo


This was the first vid I thought of when I read the OP.

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#18 crowbb

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Posted 02 November 2009 - 03:02 AM

I had the same problem when I got my new number. They kept asking for some guy named Jorge. They were calling nonstop. After a while I started answering it whenever I could and told them this was a new number and I do not know any Jorge. It did get them to go away...eventually.

#19 Spacepest

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Posted 02 November 2009 - 03:12 AM

I have the same problems, and it never stops. Someone is always calling our phones to collect on someone else's debt, or, I suspect to get us to participate in a scam paying someone else's debt.

I just don't answer my phone anymore if I don't recognize the caller ID. I just let it go to my answering service if it shows as "unknown".

Yeah, I suppose I could talk to a supervisor, mail the callers police reports, etc...but you know what? That takes up too much time, just to be repeated over and over again.
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#20 caltab

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Posted 02 November 2009 - 03:50 AM

I had a similar problem, only much creepier. Multiple creditors would call for the same person and we would also get mail for her. Even worse, the person is listed in the phone book under our name and address. We called the phone company to get them to change the listing but they said they couldn't until the phone book was printed again. No matter what we did the calls would not stop. We eventually had to change our number, I think the mail also stopped once we did that, don't know if it was a coincidence or not. It's only been a few months though since we changed our number.

We live in a new construction home, so the person could not have ever had our address, and of course they could never have had our phone number and address. Somehow someone used our info- I don't know how they got it because we started getting mail for her as soon as we moved in so the information could not have been available to steal very easily. It's kind of creeping me out thinking about it now, I'm still not sure what happened. I feel like it must have been someone with access to the info like the phone company or home builder.

#21 David Hibiki

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Posted 02 November 2009 - 05:03 AM

1) Stop answering the phone. Eventually they'll give up. I never answer unknown calls.

2) Change your phone number.

Those are the best two ways from my experience.

#22 lorne

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Posted 02 November 2009 - 06:59 AM

There's always the "Special Ed" approach. A friend of mine would simply repeat "today's my birfday." over and over...



#23 Cracka

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Posted 02 November 2009 - 09:33 AM

Get one of those annoying ass ringtones that plays for the caller while waiting for you to answer, and make sure you get yours as Never Gonna Give You Up. Let it ring everytime they call, and laugh everytime you see it ringing.

#24 nelson77

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Posted 02 November 2009 - 09:38 AM

Not a bad idea Cracka, sorta beats my "pay your bills" idea. http://releasebytes.net/smile

#25 Gentlegamer

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Posted 02 November 2009 - 04:01 PM

athey can call as many times as they want a day if they believe it to be a valid number for her until they actually talk to her.

bull shit
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#26 yesiamaplant

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Posted 02 November 2009 - 05:24 PM

I have a proven method. Be polite. It usually takes a month or so, but it always works. To read why I know this works, see the spoiler tags below. Otherwise, just go to my list.

Spoiler


1) Take a cue from Dalton: "If somebody gets in your face and calls you a c#$%sucker, I want you to be nice. Ask him to walk. Be nice. If he won't walk, walk him. But be nice."

2) Don't ask for a supervisor. You're just wasting time. Even if they choose to put a supervisor on, it'll just be the guy sitting next to them pretending to be a supe.

3) Don't stop answering your phone. Yes, if you stop answering your phone it may stop after 6 months to a year, but that's a long time to not be picking up. Especially if you have friends or family who could be in some sort of emergency, and not be calling from a familiar number. Bottom line: If you don't answer, they'll just call back.

4) Don't threaten them. Call center/collections employees spend half their lives being threatened with hazy legal action, so it won't have any sort of immediate effect. Also, as a collections agency, they're usually entitled to use whatever contact information they were given by the debtor as many times as they like. State laws vary on this, but you have no guarantee they're even in your state, and the legalities are so convoluted that you'll waste more time suing and spending money than being polite.

5) Don't be cute. Picking up and pretending to be Special Ed might seem funny, but all it's doing is causing you to be called back by the vindictive human being on the other end of the line. Funny at the time, but when it results in getting called back four or five more times just to piss you off, you'll regret it.

6) Keep in mind that if you change your number, you're just as likely to get that person's debt collectors calling as well. New number, same problems.

Good Luck!

Edited by yesiamaplant, 02 November 2009 - 05:27 PM.
added info


#27 scsg75

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Posted 02 November 2009 - 05:42 PM

bull shit


all I know is when I worked for Discover Card, as I was trained, if we talked to a third party or if we had a no answer or an answering machine, we would set it to call back in 1 hour. Every hour until we made contact. If we made contact with the debt holder, we couldn't contact them again about the debt until 7 days, or 1 day after their payment arrangements to avoid harassment.

A collector can call every 5 minutes if they really wanted to if no one answers the phone or if they get an answering machine or a 3rd party until they talk to the actual person who holds the debt if they believe it to be a valid number, as long as it's during reasonable hours and not a holiday. It's harassment if they continuously call and make contact with the debt holder multiple times a day about the debt

If someone told us it was a wrong number we were supposed to set it to call back in one hour to verify that it's not a valid number. After the call back, if it's verified a second time to be a wrong number, we took the number out and it went to skip tracing to find a valid number.

Edited by scsg75, 02 November 2009 - 07:08 PM.




#28 benjamouth

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Posted 02 November 2009 - 06:26 PM

I'm getting calls from one of those damn telemarketing companies, they call me from different numbers so what I started doing was forwarding all my calls to one of their numbers.

I guess that won't work for everyone, but maybe some of you have phones that can forward only certain calls.

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#29 Snake2715

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Posted 02 November 2009 - 06:47 PM

I had a similar problem, only much creepier. Multiple creditors would call for the same person and we would also get mail for her. Even worse, the person is listed in the phone book under our name and address. We called the phone company to get them to change the listing but they said they couldn't until the phone book was printed again. No matter what we did the calls would not stop. We eventually had to change our number, I think the mail also stopped once we did that, don't know if it was a coincidence or not. It's only been a few months though since we changed our number.

We live in a new construction home, so the person could not have ever had our address, and of course they could never have had our phone number and address. Somehow someone used our info- I don't know how they got it because we started getting mail for her as soon as we moved in so the information could not have been available to steal very easily. It's kind of creeping me out thinking about it now, I'm still not sure what happened. I feel like it must have been someone with access to the info like the phone company or home builder.


You check your credit report recently, after you bought the house? Those bank records go through a lot of hands...
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#30 caltab

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Posted 02 November 2009 - 08:20 PM

You check your credit report recently, after you bought the house? Those bank records go through a lot of hands...


We actually don't have a mortgage because we pulled out of the stock market before it tanked and bought our house with cash, so no paper trail from that. But ya, we checked our credit reports and they were clean.

The main point to OP though is these creditors are nearly impossible to stop, we put up with it for a year and a half before giving up and changing our number. When they would call I'd tell them I was looking for the lady as well and to give me any info they had on her-they seemed to believe me when I'd tell them someone was using our info fraudulently and would apologize and promise not to bother us again, but it never stopped.