YEP! Day AND Night..just call and leave BackGround noise as message. Called back and put on hold for the "Next Available Agent" I finally got a name- it is TCI (debt collection Incorporated).. I have NO outstanding Debts and they STILL call me.. Home AND Cell... I refuse to give my name to them.
Me, too..calls every other day... Area Code 201 is New Jersey...No clue who it is.
Here's what I've learned is possibly going on......
Holders of an original debt they have with someone are allowed to write off the debt and probably get some sort of tax deduction from the write off...I don't know for sure because I've not researched it yet.
Then they turn around and sell a package of written off debts to some bottom feeding debt collection company who then hounds you for a debt several years old and....
Depending upon what state you live in, the debt may have already gone past the state's statue of limitations and the attempt to collect the ancient debt is a violation of the law in that paticular state.
My suggestion to everyone here is that we all start hounding our Congressmen ...Reps & Senators....before the fall elections while we still have a Congress that is relatively friendly to the interests of us little people and demand that they introduce and pass legislation and urge the President to sign into law a bill that would prohibit the selling of written off debts to third party debt collection agencies.
Once a debt is written off by the party to whom it was originally owed that should be it. Finis - end of discussion. Instead of the damn thing still being sold & resold numerous times to third party collection agencies with whom the original person has no business relationship AND sold so many times & years after the original write-off that people don't even remember that they ever had a debt especially if it was something small like a disputed error on a department/clothing/home depot type, etc. store charge that got resolved or maybe never did fully get resolved.
I do have one of those - about 8 years old now - a clothing store put a fraudlent charge on my account with them & refused to remove it. I never made the purchase & refused to pay for a fraudlent charge. Eventually they stopped bothering me & I thought they had FINALLY figured out to whom they should be applying the charge and had cleared my account.
Not that it mattered because I stopped doing business with them as a result of this incident & have never spent another dime in any of their retail clothing outlest nor any other retail store that I become aware of as being owned by the same parent corporation.