what to do when collections has the wrong person

Debt collecting calls tin be abrasive and invasive. This is particularly the case when the calls aren't meant for you. In some cases, debt collectors may call the incorrect person when trying to collect on a debt.

Unfortunately, attempting to stop debt collectors from calling your telephone number over a debt you lot do not owe can be a complicated process.

Why do debt collectors call the incorrect number?

Debt collectors may call the wrong number for a variety of reasons:

• A debt collector may have recorded the incorrect number.
• The person who initially owed the debt may accept changed their phone number. They may have intentionally or unintentionally failed to update a debt collector about their information. Then, if you changed your phone number, you may have gotten a phone number associated with a past debt.
• Debt collectors may call someone with the same name as a person who owes a debt.
• In some cases, debt collectors may contact the relatives, or people presumed to be relatives, of someone who owes a debt. This is sometimes done in an attempt to go information almost a person who owes a debt. However, debt collectors are generally only allowed to contact each person ane time in an attempt to reach the debtor, and are non immune the discuss the debt with them.

Is it legal for a debt collector to call the incorrect number?

Information technology is legal for debt collectors to phone call a phone number multiple times in an attempt to call someone, per the Consumer Financial Protection Agency. If a debtor calls your number multiple times in attempt to connect a person who owes a debt, and you notify them that they are calling the incorrect number, they may be in violation of the law if they telephone call again.

The practice of calling someone they think might know the debtor'due south whereabouts is called "skip-tracing," and is legal, as long equally they exercise not harass the person they are calling.

What can I do to stop debt collectors from calling the wrong number?

Because a debt collector calling the wrong number repeatedly is illegal in many cases, you exercise have some options to try to finish debt collectors from calling you.

With the help of a TCPA attorney, you may be able to file a lawsuit against the debt collector and collect between $500 and $1,500 per violation of the Telephone Consumer Protection Act, or TCPA — a federal constabulary that protects individuals from harassing and unwanted telephone calls. This law restricts the utilize of certain kinds of automated equipment to place robocalls to people who haven't consented to being contacted that way.

It may be helpful to proceed records of every call you receive. Saving the calls or voicemails on your phone, or writing down the dates and times of calls as well as who the phone call was from may aid yous in a lawsuit or complaint confronting the debt collector. Debt collectors are required by police to inform y'all of the name of the debt collection company or employer they work for.

Debt collectors tin can be liable nether the TCPA even if they thought they were calling the correct number. If y'all accept asked a debt collector not to phone call you because they are calling the wrong number, they may be in violation of the Telephone Consumer Protection Act.

The Fair Debt Collection Practices Human action also protects people from harassment by debt collectors, notes The Residue. The FDCPA promotes fair debt drove practices, as well as offers a style for consumers to dispute and validate alleged debts against them.

Blocking the telephone number of the debt collector is oft the simplest way to avert a debt collector'south calls. Nonetheless, some debt collectors volition simply spoof their number, or make information technology wait as though they are calling from a different number, in an attempt to persuade y'all to answer the phone. If they use multiple phone numbers or go along to attempt to connect yous in multiple ways even after you accept told them that they are calling the wrong number, yous may demand to take more than serious measures.

In the brusque term, you lot tin can send a cease and desist alphabetic character to terminate debt collectors from calling you lot. The Balance notes that the debt collector can contact you once after they receive your letter, but that contact tin can only be to let you lot know what they volition do side by side.

You may also be able to file a complaint with the Federal Trade Commission to finish debt collectors. The FTC enforces the Telephone Consumer Protection Deed, as well as the Fair Debt Collection Practices Human action. Consumers who are existence harassed by debt collectors looking for someone else may be able to report these calls to the FTC through the agency'due south online complaint assistant.

In addition to rules regarding how many times debt collectors may telephone call relatives or friends of the debtor, there are also rules regarding how debt collectors must act on these calls. Collectors are not allowed to threaten violence, turn down to identify themselves equally a debt collector, or use profanity. If debt collectors do whatever of these things, you may desire to go along a record of these violations to listing in your complaint.

If you accept been targeted with unfair, deceptive, or harassing debt collection calls, you may be able to file a lawsuit and pursue bounty. Filing a lawsuit can be a daunting prospect, so Top Class Actions has laid the groundwork for you by connecting you lot with an experienced attorney. Consulting an attorney can assistance you determine if you have a claim, navigate the complexities of litigation, and maximize your potential bounty.

Please note: Top Class Actions is non a settlement administrator or law firm. Meridian Course Actions is a legal news source that reports on course action lawsuits, form activity settlements, drug injury lawsuits and product liability lawsuits. Top Class Actions does non process claims and we cannot advise yous on the status of any class action settlement merits. You must contact the settlement administrator or your chaser for any updates regarding your merits status, merits grade or questions about when payments are expected to be mailed out.

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Source: https://topclassactions.com/lawsuit-settlements/tcpa/how-do-i-stop-debt-collectors-from-calling-the-wrong-number/

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