I honestly don't know how to handle these people as virtually every path I've taken for a Debt that isn't even mine is not working. I came across this site online while searching for solutions.
here's my story.
about a month ago I started getting calls from a 866 number. Generally I don't answer numbers that are 800 or 866 as I think they're selling something. but the calls kept coming. So I answered the phone and someone on the other end who was extremely rude claimed I owed them $500. I told them no I never took out a pay day loan as i'm self employed. they called me a liar so I hung up. It appears that someone has used my number and possibly name to sign up with a payday loan and not pay it back. I have suspicions as my house was broken into in september and among my things that were taken were my old cell phone and a check book (which the account has been closed)
I filed a complaint against the FTC, my state attorney general, the CFSA and the ACA. none of this seemed to help as i'm still being harassed. I found out tonight that they even called my sister about this as she asked me if I had taken out a payday loan. They even disclosed to her what the call was about, financial details of the fake payday loan etc which I know is against the Fair debt collection act.
So I dont' know what to do, they keep harassing me, I've filed lord knows how many complaints and lord knows how many letters I mailed they just won't stop harassing me and now my family.
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.