You should find out how much they believe you owe and all the information you can get instead of dodging their calls. Total dues, when they were made and what companies do you owe this money to.
It could be possible that your identity was stolen and someone has been racking up charges and loans in your name. They do target people with great credit because they know you will get approved for anything they want. I would get some kind of identity theft protection service just to be safe.
Happened to me many times, call to my home at 8:00am in the morning while I am asleep, told him wrong person, either they refuse to believe, or make the same call the next morning, (hangs up before I can finish saying I want you to delete this number from the list). Now I just pretend to speak a foreign language (not Spanish).
There are federal laws and often state laws that punish abusive debt collection practices. The Fair Debt Collection Practices Act (FDCPA) provides for statutory damages and damages for each violation, i.e, each call after you tell them you are not the debtor and to quit calling.
The FDCPA also provides for attorney fees, so there are many attorneys out there that take these cases for free because they are assured of atty fees.
I would advise you to get all of the company name, phone # to call, then tell them you are not the debtor and they are not to call you again. I also start my call by telling them I am recording the call for for quality assurance, whether I am or not. In my state it is a crime to record a conversation without the other party's permission. It also makes the collector or telemarketer behave. You need not provide any information to the collector. All you need to say is that you are not the debtor in question and that you insist that they never contact you again. Keep a log of call times and content and parties. Contact an FDCPA atty in your area if the calls do not cease immediately. There can be money in it for you.
When you answer the phone call, make your first sentence "Hello. This phone call is being recorded" If they don't hang up on you right away and never call back (which often happens), you can then tell them that you are not the person they are looking for and if they call back you will provide recorded evidence to the FTC and file a claim against them. Often debt collectors don't fear threats because they know it's hard to prove that they are not following the rules. If they think you have a recording of you telling them to stop calling, they prolly will.
If I try, I might fail. If I don't try, I will fail.
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