Receiving calls from unknown CA asking for payment. I already have enrolled with a debt settlement program and continuing with the payments. Even checked my report, and the account for which the CA has been calling me is not there. Presuming that this is a scam, what can I do? How do I stop these collection calls at work and home?

1 Answers
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If the debt is not in your credit report, then it indicates any of the following scenarios:

  • You have never owed this debt
  • You owe this debt but creditor has never reported it
  • The debt has crossed the 7 year period

In the first and third scenarios, you’re at a very safe position. You can simply send a Cease a Desist letter to stop debt collection calls. You can even send a debt validation letter through a certified mail and wait for a few days. If they can’t validate the debt properly, then the ball is at your court. All you need to do is send the Cease and Desist letter to them and live happily. If they still dare to call you - either at work or at home, then file a lawsuit against them. Since, the debt is not yours and they don’t have any evidence, so the court is more like to issue an order in your favor.

In the second scenario, you’re in a little bit dicey position. Creditors have not yet reported this debt. But this doesn’t meant that debt collectors will not also report it to the credit bureau in future. You can ignore this debt as long as it is not reported on your credit report. After all, your credit score is safe from the onslaught of collectors. So, be happy. But if the debt collector chooses to report it on your credit report, then make sure you complete the validation process.

How to stop debt collection calls at work

Usually, debt collectors don’t call at work unless you haven’t made payments. But your case is different. The account is not there on your credit report only. Even if it was a valid debt, then also you can stop debt collectors from calling you at work in the following ways:

  • Inform the collector that your boss doesn’t allow you to receive collection calls at work. You can do it verbally or in writing. Just type “stop collection calls at work letter” or “stop collection calls letters” in google. You’ll get a few sample letters to give you an idea about what to write to the collector.
  • Your colleague informs the debt collector that it’s against the office policy to entertain collection calls at work.

Once the collector comes to know about your office policy, he has no choice but to stop collection calls at work due to the following provisions of the FDCPA:

  • Forbidden calls at work
  • Call at inappropriate time and place

If the debt collector still calls you at office, then I would suggest you to do one thing. Just note the time when you actually informed the collector to stop collection calls at office. The collector has violated the FDCPA law and he should be ready to pay a heavy price for it.

Case of mistaken identity

I have talked about 3 scenarios in details, but have skipped the fourth scenario which is:

The debt is genuine and the collectors really need the money. But the debt is not yours. It belongs to someone else. It might be the case that the actual owner of the debt shares his/her name with you and the collector is calling you by mistake.

In this situation, your best course of action will again be the same - send Cease and Desist letter to the collector. Please note that the collector has the right to contact you at least once after receiving the letter. They can inform about their next step against you.

Last but not the least, if your rights have really been violated, then you can contact the State Attorney General of your state and report the entire matter to him. You can also register a complaint with FTC at https://www.ftccomplaintassistant.gov/.


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