Debt Collection Calls: When They Got The Wrong Person

Because most junk debt buyers are using partial information about debtors, there are times when they end up calling the wrong person. Unfortunately, even those who do not have debts that require collection are not exempted from being hounded by junk debt buyers. Usually, the collection call is done using a pre-recorded message or robo-calls. Robo call will let the debtor know whom the call is for and should instruct the other person on the line to press certain phone pad key. If another person and not the debtor answer the call, he or she is instructed to hang up. Once you hang up, you will receive another call until you end up getting a series of phone calls throughout the week.

In some cases, a real person will handle the collection call and sometimes, debt collectors will try to use intimidation and threats as a way to make the other person on the line do what they want, including people who do not really own the debt!

If you received a collection call for a debt you never even knew existed, it is important to start taking notes. First, you need to note the time, date as well as the debt collector’s information and the company he or she works for. You need to jot down the nature of the call and keep all collection calls, including voice mail messages. These might prove useful in the future.

On the other hand, if you are getting robo-calls instead of a live agent calling you, listed to the phone tree options and press the key that will connect you to an agent. Let that person know that they got the wrong person. Note the time and date from which you informed the agent about the error and take note of his or her name and personal details as well. This should take care of the problem.

However, if the incessant phone calls persist, as it is often the case, you can either consult a fair debt attorney and consider what legal action you can take to get back at the debt collection company for harassing you or file the complaint under the Telephone Consumer Protection Act. The Telephone Consumer Protection Act indicates that business, including junk debt buyers and collection companies, cannot use robo-calls unless you are affiliated with the company or they obtained permission to call you. If you successfully proven that the junk debt buyer or collection company has violated your rights, you can collect a $500 to $1,500 for each call they made to you.

The fact is, certain laws are in place to protect consumer rights so make sure you know about the FDCPA as well as the Telephone Consumer Protection Act when you received threatening collection calls.

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