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Collections Law/Relentless Calls from Non-Creditor
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Question
Hi!
Thank you for volunteering your time and expertise on All Experts.
I have a question about receiving phone calls at my home from a place called "National Debt Bureau". The calls come in on my caller ID as "UNKNOWN".
I've received several calls from this place over a period of three months, the latest one today which my husband answered.
The phone rep immediately asks for me and "knows" that I have debt. What she probably is referring to is our refi we did to pay some debt off last October (the debt was in my name).
We (my husband and I) signed into the do not call list over a year ago...but this place insists and argues over the phone.
My question is there some way to get the address/telephone number of this place and file a complaint with the attorney general's office in their state? We couldn't get the rep to give us a number to call or state the company is located in.
We don't owe this company anything and don't have outstanding debt except our mortgage at this point, so they aren't a creditor.
Thank you for any insight you can give.
Regards,
Connie Watson
What do they say when they call? Are they selling anything? DO they ask for anyone in particular?
Try answering the phone and give them enough info they will let their guard down and give you more information. Once you get some basic info you can file your complaint with the state attorney general.
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| Rating(1-10) | Knowledgeability = 10 | Clarity of Response = 10 | Politeness = 10 |
| Comment | Thank you for your suggestion! They ask for me each time, so I think I'll play along with them the next time to at least get more contact information since they can't remember who they called last, LOL. These people are worse than home improvement companies... I appreciate your help! :) | ||
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Answers by Expert:
Michael Brotherton
Expertise
Consumer/Debtor Rights Advocate. Mike Brotherton is a negotiator with over 30 years experience in consumer lending and collections. Mike has 30 years in the credit and collections industry as a former loan officer, debt collector and manager of two finance companies over several years. Mike is well versed in Loss Mitigation practices and the legal collection process. He has helped literally thousands of people over many years overcome serious financial problems such as foreclosure, creditor lawsuits and abuse by debt collectors. For more information about resolving your "financial emergency" visit www.financialemergency.com. FinancialEmergency.com is a consumer web site which actively promotes Fair Debt Collection Practices and other consumer protection laws. We teach DEBTOR RIGHTS and enforcement of those rights. The more informed you are of your rights and the credit collections practices of creditors the more peace you can have dealing with your FINANCIAL EMERGENCY. Most financial problems are fairly common and as such have some very common solutions. The key is understanding your rights in the collection process and how to enforce them if need be. Primary business- Debtor Rights Advocacy and Debt Mitigation relating to foreclosure, creditor lawsuits, and other serious financial problems. www.financialemergency.com (copy and paste in browser).
Experience
Over 40 years combined experience negotiating disputes and resolving financial issues related to consumer debt, corporate issues and mortgage modifications.
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