posted on Dec, 31 2007 @ 04:32 PM
reply to post by DamnedDirtyApes
I used to work in collections. They called your house because they probably had your phone number as a contact number, or, you are a neighbor, or
relative. That is called skip tracing.
By the way, it's against the law for them to tell you they are calling about a debt unless you are the party they are trying to contact. At least in
most states it is. They should have also begun that conversation with a mini miranda that goes, "this is an attempt to collect a debt, any
information obtained may be used to do so."
If you did not tell them to never call you again, they might. You have to be very specific. If they bother you again, you have legal rights to sue
them for harassment. I do believe it used to be $1,000.00 per incident and up to $100,000 if you sue the company, and or the individual collector.
It's been a few years for me working in collections, so this information may have changed.
Make sure you get the name of whomever the collector is, and if need be talk to the not his supervisor but the manager. Keep notes as to the days and
times they call.