They are repeatedly calling me for no reason and are not even sure I am the person they are trying to reach. I understand from research that they are a collection agency. There is nothing that I owe to anyone.
Have two messages on my ansering machine within hours of each other. One-english speaking male and one-spanish speaking female. The female did NOT switch to english when I answered the phone with hello three-times--she did pause then continued in spanish. I hung up--hard! Will send letter for cease communications via certified mail and return receipt as suggested by the poster who detailed who and how.
Nearly every "new" home phone number assigned to me by AT&T since 2006 has been from a bad credit person and their bad credit family. FYI, I have not had any credit for almost two decades. I am so tired of skip tracers NOT doing what they are PAID to do...FIND and COLLECT from the debitor for their client.
I received a confirmed settlement payoff stating I have a $0 balance and received my 1099-C which I filed with my taxes. I will keep these documents so if that happens, I have proof it is paid.
Also I checked all three credit reporting agencies and made sure they all show a $0 balance on my accounts and they do. It took a couple of months for them to update it.