What to do if a collections department keeps calling me for a debt that I do not owe?

Get Legal Help Today

 Secured with SHA-256 Encryption

What to do if a collections department keeps calling me for a debt that I do not owe?

I have a very common name and they insist I have a credit card charge off. I tell them I am not who they think and they demand the last 4 of my SSN. I tell them the burdon of identity isn’t on me to prove, its on them. They call and harass my wife. I have contacted customer service twice now and they will not remove me from their database. Do I have any recourse, they are falsely accusing me of debt.

Asked on October 1, 2012 under Bankruptcy Law, Arizona

Answers:

FreeAdvice Contributing Attorney / FreeAdvice Contributing Attorney

Answered 9 years ago | Contributor

I would call and write the collections department to cease all further contact with you in that its continued contact with you could be deemed an unfair debt collection practice under state and federal law. Keep a copy of the letter for future use and need. Do not give the debt collection company any personal information regarding you.

If you keep getting calls from the debt collection company, then you might want to retain an attorney to write a a cease and desist letter for you.


IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although AttorneyPages.com has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you retain an attorney to represent you.

Get Legal Help Today

Find the right lawyer for your legal issue.

 Secured with SHA-256 Encryption