I am an employee in the collection industry and all these postings are rather "amusing". First, for those of you that owe the "Valid Debt", calling you everyday is legal behavior according to the fdcpa (most of you debtors know what FDCPA stands for) and you need to pay your debts and quit calling the phone calls "HARASSMENT". It's amazing how you can take the time to complain, but you can't find the time to get the money together to pay the "Valid Debt" back. Where are you finding the money to pay for your internet?????
Secondly, if you have filed Bankruptcy, the original creditor does not always supply the collection agency with the necessary paperwork, which will result in an attempt to collect a debt, either by a phone call or letter. As soon as the debt is placed with the collection agency, they will send a validation letter to the mailing address that the original creditor has provided the agency with. Therefore, it is your responsibility to update your creditor at all times of any address changes. Once the debt is placed with the agency, they are attempting to collect a "Valid Debt" until you provide the proper documentation. Upon receipt of the documentation, all communications will be ceased.
Lastly, for those of you that don't owe the agency any money on any "Valid Debt", why are you getting so upset about a phone call or two? Again, the agency has the right to call everyday. Until it is communicated to the agency that the they are calling the wrong number, the calls will continue. "We are not mind readers". Simply call the agency and let them know the phone number they are calling and they will remove your number, so you will not receive anymore phone calls. Don't call them back and yell at the representatives and refuse to give them the phone number they are calling you at or leaving messages on or try to block your phone number, otherwise they cannot remove your phone number from their system. Simply, give them the phone number. The person that owes the "Valid Debt" may have had your phone number at one time or they may know you or have known you and gave your phone number to the original creditor as a contact number to reach them at. Why get so upset about your phone number being called? If you know the "debtor" why get upset at the agency for calling, you should be upset with the "debtor" for giving out your phone number!!!! Would you get this upset if someone delivered a pizza to your house and it was the wrong house?????? It's funny how consumers have given collection agencies a bad rap, when in fact consumers are the ones with bad behaviors. If you owe money and your debt is turned over to a collection agency, expect the agency to demand the money be paid back. They are not Customer Service, if you want that type of service, then pay your bills on time and stay out of collections (regardless of the reason).
"YOU BORROWED THE MONEY, NOW PAY IT BACK, YOU CAN ONLY RUN AND HIDE FOR SO LONG"
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