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Debt collectors will go to any and all lengths

Discussion in 'BlackHat Lounge' started by 2011nfl, May 31, 2013.

  1. 2011nfl

    2011nfl Supreme Member

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    I woke up this morning to my neighbor 2 doors down knocking on my door. I barely know they lady. The only way I know her is she takes my son to school for me and picks him up sometimes. I barely remember her name, and I have never had her phone number (or even used her phone before)... She had a piece of paper with some info and a number for me to call on it, so I called the number and it was a debt collection agency that was trying to collect a debt from all the way back in 2004..

    After getting off the phone with them, I was shocked that they would call someone that I don't even know to get a hold of me. We came up with only 2 possibilities.....


    1. My neighbor has a phone number that belonged to me years ago (extremely unlikely that out of 11 million people, that my neighbor would end up with my old phone number)
    2. They found my address, and looked up all of the surrounding addresses and found the phone numbers associated with them and called my neighbor that way (Much more likely, but illegal)

    So am I over looking any possible way that they would link me with someone who I don't know but happens to be my neighbor?
     
  2. Ste Fishkin

    Ste Fishkin "I'm watching you.." - Apricot Jr. VIP Premium Member UnGagged Attendee

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    I think number 2 is closer to the mark.

    I think they got your address, googled for the phone number and the website must have mixed up addresses and phone numbers.

    Sadly I know a lot about debt collection... It will be in the past soon enough.

    Even though I am in the UK if you need any questions answering just shout. I bet your laws aren't that far apart.
     
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  3. antichrist

    antichrist Jr. VIP Jr. VIP

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    Debt free is the only way to be.
     
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  4. erickishere

    erickishere Elite Member

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    how much did you owe OP
     
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  5. 2011nfl

    2011nfl Supreme Member

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    They said $840. It's a small amount, I'm not worried about that, but I just didn't get why they called my neighbor that I barely know instead of me lol
     
  6. Ste Fishkin

    Ste Fishkin "I'm watching you.." - Apricot Jr. VIP Premium Member UnGagged Attendee

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    They must be desperate to go way back to 04 for a debt.
     
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  7. 2011nfl

    2011nfl Supreme Member

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    Yea. I see it alot with people.... They get hit with that revolving credit, and it just keeps hitting them.. Every couple of years one collection agency will buy the debt from another and reopen it.
     
  8. Grizzy

    Grizzy Senior Member

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    It's a common practice if they can't reach you by phone. It's legal for them to inquire about your current location, but they're not supposed to ask your neighbor to pass on any message on their behalf (which they still do a lot of the time).
     
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  9. davids355

    davids355 Jr. VIP Jr. VIP Premium Member

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    Maybe they done research but just through bad luck got your address slightly wrong, it does happen.

    Recently my friend got raided by the police (for drugs), but it turned out they had a warrant for next door, but got the address wrong!
     
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  10. nicofan

    nicofan Junior Member

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    In my country some dept expires after some time. for example if your dentist sends you the bill 6 years after the appointment you don't have to pay it anymore. might be wise to check the laws for your country. another case are paypal debt collectors, nobody pays them ever, lol
     
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  11. SEORasta

    SEORasta Senior Member

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    <p>
    I used to be a debt collector. In my past mind you so dont scold me LOL What they did is called skip tracing. They will (and by law) will find you neighbors to call to leave you a messag. They will also look up previous address and such. All public record info. It is a way for them to contact you AND in more simple terrms harass you until you speak to them to make aragements or pay. And depending on the debt and amount yes they will sue. Not always but I seen plenty of cases where it was in their best interest to do so.</p>
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     </p>
    <p>
    My other concern though is you barely know the lady BUT she takes your son to school and picks him up???? You BETTER know her better then that my friend !</p>
     
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  12. Goal Line Technology

    Goal Line Technology Senior Member

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    I think that most personal debt issues in the western world have limits, I think it is called
    "The Statute of Limitations",
    A statute of limitations is the deadline for filing a lawsuit. Most lawsuits MUST be filed within a certain amount of time.
    In general, once the statute of limitations on a case "runs out," the legal claim is not valid any longer.
    The period of time during which you can file a lawsuit varies depending on the type of legal claim.


    This might be your best defense.

    Hope it helps.
     
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  13. 2011nfl

    2011nfl Supreme Member

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    Her son is my sons friend. We have lived here for a year and they have been our neighbors the whole time..... Also, I ride with them when she takes them to and from. We talk, but I can't consider her a friend or anything like that..... Maybe that makes a bit more sense :)


    Basically what I mean, is there is nothing except for address to link me and my neighbor
     
  14. Ibeefaaa

    Ibeefaaa Regular Member

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    They really are some of them. Once in a while I get a letter in the mail from a debt collector for a bill of ~$35 (100 in my currency) that I didn't bother to pay since 2003. In each letter they send they are saying that if I pay in the next 7 days after receiving their note I will be exempt from any other penalty fees.
    I wonder what commission can they get from $35, not sure if they can cover the paper + ink used and the postal fees for all the letters with that commission.
     
    Last edited: Jun 1, 2013
  15. Scripteen

    Scripteen Elite Member

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    I worked in Debt business before and we used to make the debtor sign 2 papers. One to authorize us to transfer his debt to another firm and the other for authorizing us to get his latest address/phone number from the governmental authorities. Oh and I knew from the debt collection department that they sometimes pass the mail/notice to one of the neighbors on purpose to embarrass the debtor and force him to reach them to settle the debt. Kinda low balling but it seems to be working for them.
     
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