CA Lies?

[legal_wonderer]

What is the name of your state? TN

I'm wondering how much action I should take regarding collection agencies lies. For instance, twice now, I've had the caller state "what about your husband?" "where does he work?" etc. I state that it doesn't matter because I am solely responsible for the debt. Next the caller states "In the state of Tennessee, your husband is responsible for the debt".

I am not married and they are just phishing for information which I do not give them. One CA tried to say that the father of my children is responsible for the debt.

I'm living with relatives and one CA makes TWO contacts in ONE day every 2 or so days. I consider this excessive. They say things like "you called us", "I'm following up on my employee's recommendations about you", etc.

I, of course, do not have a phone line. This is my relatives' phone line and I am staying with them. They recently got two phone lines (one for the computer) so I am going to notify the CAs and the credit card companies of my "new" phone number so I can ignore it. I would prefer to update to NO phone number as I really have no phone service. Do you think that would be possible?

The credit card companies were a lot less aggressive on the phone!

Oh, I did get mail from one CA on a small medical debt with the house property value of my relatives' home. Should I call them back and let them know that I do not own any property?

Thanks as always!

lw

 

[Ladynred]

Next the caller states "In the state of Tennessee, your husband is responsible for the debt".

That is SO MUCH CRAP !!! I live in TN too.. we're not in a community property state

Unless you're recording everything, there's not much you can do about these types of lies. If they start making threats of legal action that is absolutely impossible, then you've got some juicy FDCPA violations - but ya gotta get 'em on tape !

These mental midgets from the CA's just assume everyone who owes money is completely stupid. Unfortunately, there are far too many people who really believe that kind of garbage and are intimidated into paying.. and THAT is the name of their game. If it stopped working, they'd get a LOT less money.

One CA tried to say that the father of my children is responsible for the debt.

Oh.. that's a good one.. rofl !!

Should I call them back and let them know that I do not own any property?

You should do no such thing ! Do NOT call them at ALL, not for ANY reason ! What's the point ? Unless you have the full amount to pay off the debt, there IS no point. You got it right the first time, they're PHISHING, big time. Whoopty-doo, the looked up your address in some database and came up with a property owner... *I* could do that for NOTHING in about 5 minutes or less !

 

[legal_wonderer]

Thanks. I'll have to see if the answering machine will record.

Just got off the phone with another one. He refused to name the company they work for, choosing only to state that they were retained by Chase and giving me a 1-800 number.

First he told me that I would be getting a subpoena tomorrow. Later he said "next you will be receiving a certified letter in the mail". He also said "you are going to be sued tomorrow morning".

I'd love to collect many phone conversations for reporting purposes.

lw

 

[Ladynred]

He refused to name the company they work for, choosing only to state that they were retained by Chase and giving me a 1-800 number.

Rack up another violation of the FDCPA. If you ask them, they are required to tell you who they are and who they work for.

First he told me that I would be getting a subpoena tomorrow. Later he said "next you will be receiving a certified letter in the mail". He also said "you are going to be sued tomorrow morning".

And if you get no subpoena tomorrow, its another violation - threatening legal action they do not intend to or cannot take. No one could file a lawsuit have say 'you'll be served tomorrow' overnight, it just does NOT happen that way. Same thing for the 'you will be sued tomorrow morning'.. total BS, violations of the law. This idiot clearly thinks he/she can scare you and things YOU"RE that stupid !

If you have a dial-up connection and a voice modem, you can get software that acts as an answering machine AND records all calls if you want it to, for about $25, its called ModemSpy.