questionshow do you get creditors to stop calling you when…


"I'm sorry, I have no idea where he is. But this person, (insert mortal enemy's name), might know. And here's his/her number. (cackle)"

but seriously though, it could be a phishing scheme depending on what info of yours they're asking for.


Have you tried asking to speak to managers? or doing A LOT of yelling? Insteas of waiting til they call you, try giving them a call. Then you'll get to talk to someone in customer service, not someone whos only job is to get money or information.


Simple, just tell them you'll file a complaint against them if they don't leave you alone. They aren't supposed to be calling you about someone else's debts, it's actually against the law.


Threaten a complaint/ legal action. Explain that you've said numerous times you don't know where the person is and that you feel you are being harassed. Say that if you are contacted again you will be contacting your attorney. Get the person's name and ask to speak to their supervisor as well so you can repeat the threat.


Use *60 to block the phone number.

I was getting calls for some other guy repeatedly, so I just blocked the number. Problem gone.


@stile99: The Google overlords have not taken over fully yet, slow down there.


Whenever they ask you a question reply "I have new shoes..." followed by "I have new red shoes..." in the kookiest voice you have. This was a method my late Grandmother used when her late husbands creditors kept hounding her...(debt from before they were married). The quickly hung up and never called again!


@stile99: That brought up this very question, doofus. How do you think things get on the Internet to search for in the first place?

Honestly, this is a difficult problem because even saying that the person they are trying to reach no longer has that phone number is a trick that's used by actual debt holders to get the calls to stop.


Good luck with that. We had lots of calls looking for someone with the same name as my husband. Finally, as soon as they asked for him (I could usually tell what it was), I'd say, "If you're looking for the John Doe that lives on (they gave me his street before), you have the wrong John Doe. Usually they'd apologize and eventually the calls stopped.


I had success with this once - ask them for the debtor's contact information, because that SOB owes you money, too! Lil jerkface skipped town. They stopped calling me looking for them after that.


@omnichad: It doesn't matter if it's a trick or not. Legally, collectors are required to cease contact after you tell them to.
Well, besides serving you with a court summons for civil proceedings, assuming they actually have a legitimate collections account for you.
I believe in the case of recorded messages where there are no options to say they have the wrong number or to cease contact, you can sue them for damages on a per-call basis, but IANAL, so I'm not 100% on that one.


I must be pretty lucky with this problem. Every year or so, sometimes a bit more frequently, we start getting calls from a skip-tracer for a woman who shares my last name and who -- in a wild fit of coincidence -- used to live on the same street I do, although several blocks away. Each time we get the robocalls I dutifully call back to the phone number given, tell the person on the line why they're calling me and why I can't help them (I've never met the woman in question), and ask them to remove me from their records. And it works, at least until the debt gets sold to another company and they start calling me.

Since this isn't working for you, file complaints all over the place. That usually works, too.


@omnichad: What did you do, stop at the first entry? His query brought up a number of perfectly good options.


@stryker4526: actually, it's only against the law if they reveal info about the person's debt. There's a surprising loophole in debt collection laws... the person who owes the money has legal rights and can demand that creditors stop calling after which they can be sued if they call again... YOU, or any random person they call looking for the debtor, don't have such protection.


@kamikazeken: Not true. The Fair Debt Collecting act does have MORE protections for the actual debtor, true, but a lot of its provisions apply to any person, including the right to sue collectors who harass any person about someone else's debt.


Yup, look up Fair Debt Collections act and start threatening to sue them if they keep calling you. Ask for their contact information and start saying stuff like, "I've always wanted to own my own debt collections company" and "How much do you make? I'm trying to figure out how much to sue you for." They'll get the hint.


I did collections a long long time ago. If someone said "He's not here" we would continue to call that number. If someone said "He doesn't live here" we would try to get information on where we could reach him. If someone said "You've got the wrong number, I don't know him" we would remove the number and move on.

Make sure you let them know you don't know his number and that he has never lived there.

We never asked for personal information. We already had all the information we needed (the customer's).

@kamikazeken: The only states that allow verbal Cease and Desist requests are Massachusetts, Ohio, and Oregon. All other states require a written request (and most of the times must be notarized).

Also, it's not considered harassment if you're just calling the number and asking if they're there. They're the ones that gave the number after all.


@omnichad: My apologies, when I posted the link, it answered the question posed. Perhaps Woot has borked the link, like they do with many Yahoo links.

Regardless, copying and pasting the question into Google should provide the intended result. There are several very good articles that discuss the problem and solution.


@capguncowboy: I will grant you that it is not harassment to call and ask if the person is there, provided you grant that calling three times a week and asking after already being told that the number is incorrect IS harassment.


@stile99: Actually, if it's the number the customer provides to the company, the company can call numerous times of day, every day, between the hours of 8am-9pm. Once someone says it's the wrong number, it will be removed and calls should stop.

I agree that it's overload, but that's the law. Write your congressman :)


@capguncowboy: "Once someone says it's the wrong number, it will be removed and calls should stop."

I agree. As does the law. The question at hand is what is it called if the calls do NOT stop? Would 'harassment' be a fair description?

You are describing what a legit agency does. If told the number is invalid, even if they think this is just a trick from the actual debt holder, they stop calling that number. But I believe OP is describing the slimy collection agencies, the ones who keep calling even after being told that the number they are using will not reach the person they are seeking. As noted, OP TOLD them "I'm not this person and have no idea how to contact him". When they called again after being told that, would you not agree that call, and any others following, were harassment?

Trust me, read the articles linked on Google. I used to get harassing calls constantly for the person who had my number previously. Now I don't.