Author Topic: What are my rights with a debt collector?  (Read 2014 times)

Offline JosephM

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Jan 2014
  • Posts: 285
  • Total likes: 1
  • DansDeals.com Hat Tips 0
    • View Profile
What are my rights with a debt collector?
« on: December 14, 2015, 08:30:51 PM »
Everyday I receive a recorded message from a debt collector asking me to call them back.  I don't believe I have been delinquent on a debt so I've tried to call them back a few times.  Every time I call and ask what the debt is for they keep asking me personal information that I'm not interested in giving them.  They will not answer what they are trying to collect and always end up hanging up on me.  They are nasty, disgusting, people and I want them to stop bothering me.  If I owe money I would like to straighten it out.  What are my rights?

Offline lunatic

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: May 2009
  • Posts: 4430
  • Total likes: 29
  • DansDeals.com Hat Tips 8
    • View Profile
Re: What are my rights with a debt collector?
« Reply #1 on: December 14, 2015, 08:36:41 PM »
It may be a scam. Google the phone number

Offline JosephM

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Jan 2014
  • Posts: 285
  • Total likes: 1
  • DansDeals.com Hat Tips 0
    • View Profile
Re: What are my rights with a debt collector?
« Reply #2 on: December 14, 2015, 08:48:09 PM »
I googled, they seem to be debt collectors.  Don't I have the right to know what the debt is?  How can I get this information from them?

Offline ShlockDoc

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Jun 2012
  • Posts: 2335
  • Total likes: 54
  • DansDeals.com Hat Tips 34
  • Gender: Male
    • View Profile
Re: What are my rights with a debt collector?
« Reply #3 on: December 14, 2015, 08:56:13 PM »
GIYF
The first result is the FTC page answering your question.

Offline JosephM

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Jan 2014
  • Posts: 285
  • Total likes: 1
  • DansDeals.com Hat Tips 0
    • View Profile
Re: What are my rights with a debt collector?
« Reply #4 on: December 14, 2015, 09:08:38 PM »
Thanks, I'm sending them a validation letter just wondering why they wont just tell me what I owe.

Offline ckmk47

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Aug 2012
  • Posts: 7961
  • Total likes: 1044
  • DansDeals.com Hat Tips 3
  • Gender: Female
    • View Profile
  • Location: brooklyn
Re: What are my rights with a debt collector?
« Reply #5 on: December 14, 2015, 09:45:51 PM »
I got a debt collection letter for a name very similar to mine.  I wrote them a validation letter (GIMF) and I never heard from them again.  I assume they were fishing for the right person, or for anyone to just pay up.  It wasn't me that owed anything.
My favorite cause: cssy.org

Offline Freddie

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Apr 2013
  • Posts: 3088
  • Total likes: 308
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: Pittsburgh
Re: What are my rights with a debt collector?
« Reply #6 on: December 14, 2015, 10:20:42 PM »
Debt collectors are one step above actual criminals but just barely.


Offline mrprez27

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Sep 2015
  • Posts: 541
  • Total likes: 16
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Nassau County
Re: What are my rights with a debt collector?
« Reply #7 on: December 14, 2015, 10:54:44 PM »
I have no debt or reason for a debt collection comp. to call me. I got a call with the person saying my name and telling me the last four digits of my social. They wouldent tell me more when I pressed..and I wouldn't verify the info until they told me more... Googled the number and was a real collection company with some nasty fishy tactics. Looked into it and it didn't affect my credit.

A. It could be a real debt collect company that is up to something fishy.

B: The number could of been spoofed.

Offline JosephM

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Jan 2014
  • Posts: 285
  • Total likes: 1
  • DansDeals.com Hat Tips 0
    • View Profile
Re: What are my rights with a debt collector?
« Reply #8 on: December 16, 2015, 07:37:12 AM »
It may be a scam. Google the phone number

If it was a scam wouldn't they try to get money from me?

Offline Work-for-ur-muny

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Dec 2014
  • Posts: 3086
  • Total likes: 326
  • DansDeals.com Hat Tips 34
    • View Profile
Re: What are my rights with a debt collector?
« Reply #9 on: December 16, 2015, 02:36:33 PM »
It may be a scam. Google the phone number
Today you can get such calls displaying any number the caller wishes.
I have no debt or reason for a debt collection comp. to call me. I got a call with the person saying my name and telling me the last four digits of my social. They wouldent tell me more when I pressed..and I wouldn't verify the info until they told me more... Googled the number and was a real collection company with some nasty fishy tactics. Looked into it and it didn't affect my credit.

A. It could be a real debt collect company that is up to something fishy.

B: The number could of been spoofed.
Professional collections agencies won't give out any personal info they have about you, even to you. Something doesn't seem legit about that caller who mentioned the last four of your SSN.

Offline JosephM

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Jan 2014
  • Posts: 285
  • Total likes: 1
  • DansDeals.com Hat Tips 0
    • View Profile
Re: What are my rights with a debt collector?
« Reply #10 on: December 16, 2015, 04:36:53 PM »
Professional collections agencies won't give out any personal info they have about you, even to you. Something doesn't seem legit about that caller who mentioned the last four of your SSN.

If they're not going to give me info about what I owe then why are they calling?

Offline Work-for-ur-muny

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Dec 2014
  • Posts: 3086
  • Total likes: 326
  • DansDeals.com Hat Tips 34
    • View Profile
Re: What are my rights with a debt collector?
« Reply #11 on: December 16, 2015, 04:55:07 PM »
If they're not going to give me info about what I owe then why are they calling?
To SCAM you.  >:(

Offline Redbull3

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Dec 2011
  • Posts: 3492
  • Total likes: 417
  • DansDeals.com Hat Tips 1
    • View Profile
  • Programs: Blocked By @NeriaKraus
Re: What are my rights with a debt collector?
« Reply #12 on: December 16, 2015, 04:56:06 PM »
If they're not going to give me info about what I owe then why are they calling?
He means, until you verify they have the right person on the line.

Offline Work-for-ur-muny

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Dec 2014
  • Posts: 3086
  • Total likes: 326
  • DansDeals.com Hat Tips 34
    • View Profile
Re: What are my rights with a debt collector?
« Reply #13 on: December 16, 2015, 05:30:55 PM »
He means, until you verify they have the right person on the line.
Well, if they want their money they better get ahead with the process and leave the bureaucracy aside.

Offline deal_rider

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Mar 2015
  • Posts: 359
  • Total likes: 0
  • DansDeals.com Hat Tips 7
    • View Profile
  • Location: Throat of the World
Re: What are my rights with a debt collector?
« Reply #14 on: December 16, 2015, 06:09:11 PM »
He means, until you verify they have the right person on the line.

To just say "you owe x amount of dollars with x bank" why do they need to verify?

Offline Work-for-ur-muny

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Dec 2014
  • Posts: 3086
  • Total likes: 326
  • DansDeals.com Hat Tips 34
    • View Profile
Re: What are my rights with a debt collector?
« Reply #15 on: December 16, 2015, 06:11:25 PM »
To just say "you owe x amount of dollars with x bank" why do they need to verify?
+1