I get this call daily my husband has cancer and I have high blood pressure..can someone help me to stop this harassing call due to Chemo Brain this upsets my husband constantly.
This is a collection agency that uses the Lexus-Nexus search system (a pay for use search) to try & locate old debt that they have purchased for pennies on the dollar. The L-N search comes up with 'possible' matches based on initials and spelling of last name. If you have a common name, you get a LOT of these. If you have just an initial in the phone book, you're gonna get some as well.
All I have to say is "Gwendoline, pay your damn bills! I've been getting YOUR collection calls for 10 years now!"
Don't allow hostile strangers to confuse extortion with debt collection. Consumer debts in America, including payday loans, are a *CIVIL* matter, not criminal! Honest debt collectors do not typically send their claims straight to a judge, and they don't take your ransom money to broker quick deals with so-called "process servers". There are no secretive "arbitrators", "mediators", or "prelitigation specialists", only sweaty criminals with a script full of bullying remarks. Lawful debt collection is a process, not an ambush, and you are due a chance at each stage to raise a dispute. The agents' horrid threats are empty and their conduct is illegal. Do not reward lawbreakers with your money. Challenge them always, sue them if you can.
FTC and CFPB material on US federal collection law:
http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ... debt-collection
See also this FTC alert: "Fake Debt Collectors"
http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors