Can they still call?

[daniellep]

I live in another country. My parents still get calls from creditors, even though I *believe* they have already told them that I no longer live at that address.

Can they still call my parents' house, anyway?

Also, can they use my parents' unlisted number to "find" me?

[pink_amulet]

I really do not know the technical part of it. However I had a creditor call another person in the apt building I lived in, looking for me. I was apt 2, and they called the person in apt 4, because the person in apt 4 had a listed phone number, the creditor took a chance and called them!! That is how desperate/sneaky creditors can be.

As for you situation, if you parents are saying yes we know who she is, however she does not live here, the creditor WILL continue to call. They will keep the number as "active" it is your relative and they know where you actually are. Your parents should start saying there is nobody here by that name, you have the wrong number, instead of oh she doesn't live here anymore.

Back a few years ago we had problems unrelated to creditors, and the detectives were involved,we had traces put on our phone, and now the phone company gives us certain features for privacy for free, and had changed our phone number for free.

However creditors do have to follow certain guidelines because of the Fair Debt Act. Look into it and see if they are doing any violations.

good luck
pink

[FilingOnMyOwn]

I live in another country. My parents still get calls from creditors, even though I *believe* they have already told them that I no longer live at that address.

Can they still call my parents' house, anyway?

Also, can they use my parents' unlisted number to "find" me?

Didn't you already file? Once you file they shouldn't be calling anyone. Or are these are new bills?

[daniellep]

I haven't filed yet. I was just wondering that since I was no longer living at my parents house that they shouldn't be calling to find me there.

[FilingOnMyOwn]

Ahh well if you haven't filed then they will call anywhere and everywhere they think they can reach you with little you can do about it.

[StaciMM]

They can call relatives/friends/etc. in an attempt to find you. Once they have a contact # for you, they shouldn't call anyone else. (Because locating you is the only reason they can call others.)

[tracy1878]

my bk is final, but I still get calls for my sister... she had a car loan thru Nuvell Financial, and it was repo'd (duh, almot 550 a month for a freakin cavalier??? anyway... lol) Well, she still owes them a hefty balance, but since i was her "emergency" contact they call me.

She lies to me and tells me shes called but they never call her back. She doesn't leave her cell phone number, and has no other number so of course they don't call her back, they call me. I tried to get her to file bk before the deadline, but she said she didn't have time (of course she had no job and sat on her butt, but still no time I guess) Now they are starting to get nasty with me, either thinking i'm her, or that she does live with me. So finally today i told her if she won't call them back, then i'm giving her cell number to them!

I know this sounds terrible, but I'm so tired of covering for her, i even offered to loan her all my paperwork so she could see how it was done so she could file too, but she refused. She seems to think that if she buries her head in the sand it will go away. She also doesn't think they will sue her and garnish her wages. She owes about 6,000 to them... I truly think that is worth them pursuing in court, but she ignores it. She has a good job now, making about 40,000 a year and has no children or car payment, only 300 a month in rent cause she has a roomie, plus regular bills. I guess i'm just venting cause hubby and i make 35 a year together, and support 2 kids, but yet she says she can't make it on what she makes.

Sometimes your family just makes you want to slam your head into a wall ;-)

[pink_amulet]

my bk is final, but I still get calls for my sister... she had a car loan thru Nuvell Financial, and it was repo'd (duh, almot 550 a month for a freakin cavalier??? anyway... lol) Well, she still owes them a hefty balance, but since i was her "emergency" contact they call me.

She lies to me and tells me shes called but they never call her back. She doesn't leave her cell phone number, and has no other number so of course they don't call her back, they call me. I tried to get her to file bk before the deadline, but she said she didn't have time (of course she had no job and sat on her butt, but still no time I guess) Now they are starting to get nasty with me, either thinking i'm her, or that she does live with me. So finally today i told her if she won't call them back, then i'm giving her cell number to them!

I know this sounds terrible, but I'm so tired of covering for her, i even offered to loan her all my paperwork so she could see how it was done so she could file too, but she refused. She seems to think that if she buries her head in the sand it will go away. She also doesn't think they will sue her and garnish her wages. She owes about 6,000 to them... I truly think that is worth them pursuing in court, but she ignores it. She has a good job now, making about 40,000 a year and has no children or car payment, only 300 a month in rent cause she has a roomie, plus regular bills. I guess i'm just venting cause hubby and i make 35 a year together, and support 2 kids, but yet she says she can't make it on what she makes.

Sometimes your family just makes you want to slam your head into a wall ;-)

I had a loan through Nuvell, it was for our van. They are actually a big push over of a company....LOL We knew we were filing for BK and we had never been late so we skipped 2 payments in order to pay our lawyer. I called Nuvell and told them my purse was stolen and all our accounts were frozen. They bought it for over 2 months worth of payments. I did get one call and I called back and complained to the supervisor and they apologized, and said OK send in a payment when you can......LOL Another month later we called them and told them to come pick up the van, this was in May 2005, they sold the van at auction and we still owed over $6000. They called a few times, but never contacted any of our references, or relatives for the balance. Of all the finances companies I have ever dealt, Nuvell has been great and easy to work with.

Pink

[lostsoul23]

I live in another country. My parents still get calls from creditors, even though I *believe* they have already told them that I no longer live at that address.

Can they still call my parents' house, anyway?

Also, can they use my parents' unlisted number to "find" me?

Tell your parents to get their address and send a "do not call us anymore" letter.
Most creditors will take a verbal request, but, in writing it works alot better.

And yes, they can use your unlisted # to find you. (No such thing as an unlisted # by the way, the phone company may not list it, but there are companies that will get the info and keep files that they sell to companies to get the info.)

As far as the "wrong number" line, I can tell you I hear that a dozen times a day when I call to collect. It's better to talk to the creditor, then to either ignore it or just assume it will go away. The place I work for takes verbal requests, if someone says don't call, I mark that request in the account and "x" out the phone number. I'm a rare one, because I refuse to harass someone who has nothing to do with the situation at hand.

[pink_amulet]

And yes, they can use your unlisted # to find you. (No such thing as an unlisted # by the way, the phone company may not list it, but there are companies that will get the info and keep files that they sell to companies to get the info.

Unlisted...is just that unlisted!! ...Our number is unlisted, and it is not in or on ANY searches I have ever come cross, and I have used alot of searches!!!.....So I do not understand how you can say there is no such things as a unlisted number??

As far as the "wrong number" line, I can tell you I hear that a dozen times a day when I call to collect. It's better to talk to the creditor, then to either ignore it or just assume it will go away. The place I work for takes verbal requests, if someone says don't call, I mark that request in the account and "x" out the phone number. I'm a rare one, because I refuse to harass someone who has nothing to do with the situation at hand.

I have told many companies that they had the wrong number and guess what I never heard from them again. Yes I know we still owed it (never assumed it would go away) however they never called again so I didn't have to listen to their harassment. So for me it was worth fibbing!!!.....LOL Also to my surprise, they never reported to any credit report. I still included them in our BK, but I didn't have to listen to their BS, and had a nice quite evenings...LOL So while you say certain things do not work...they do for some of us!!

[lostsoul23]

Pink, depending on the size of the company, it depends on what resources they have available. When I used to collect on student loans, we had the resource of a program by Lexis-Nexis which you could get anything you wanted. Oddly enough, though, when I had to skip trace I often got saved the effort of using various programs to find unlisted numbers by calling a neighbor or family member. When they said they didn't live there anymore, etc., they would either give the phone number or just offer it up. So that's what I mean by "no such thing" as unlisted. The only way I know of right now to avoid unwanted calls is that some companies offer services where you don't get incoming calls, at all.

[edwards2]

daniellep...yes they can. The companies have the right to call whomever to collect a debt. Obviously, if they cannot reach you and you have not contacted them they have no recourse but to revert to numbers you have provided them as contact numbers. If you have spoken with them they would have no reason to call your parents.

tracy1878 - I would not feel bad about giving the creditor your sister's cell phone number. You are trying to protect her but she is allowing you to take all the grief that is intended for her. Doesnt seem to bother her. She needs to take care of her own business. I would have my number removed as a contact person. She has to face them and obviously avoiding them is not the answer. Frankly, you have your own family to consider.

[tracy1878]

thanks edwards! i realize i'm not the right person to talk about finanical responsibility, but at least I did something to fix the problem!!! Funny thing is, she turned up yesterday driving a new car from a local buy her pay here place that she'd had trouble making payments to them a few years ago. I guess she'll never learn. I didn't say a word to her about it, but I have her cell written down now for the next time this lady calls. It's always been on the caller ID before, so I couldn't give it to her without hanging up the call.

thanks for putting up with my rant!

[redeagle]

Can they call

Well if they cosigned for you then I would imagine they could call... But if your parent are not responsible in any way to pay your debt they are not allowed to call.. I would make sure your parents are on the do not call list with the Government.. If they call after they know your parents are on the list then they could get into trouble with the gov. Remeber Donotcall.gov I believe it is if that is wrong do a search.. It takes about 30 days for it to be effective.. If they call again they could be fined by the gov if your parents file a complaint with the Gov on their website. This will only work if your parent not in any way connected to your debt.. I realized they call your parents because you used to live there.. In this case they could switch phone services like Cablenet vonage and get a different number..

[Jenny]

You can't get your name removed as a contact person for someone. Your name and number are on file for life. I don't think the Do Not Call list applies in this case since no one is selling or soliciting anything. I suppose you could send a certified registered letter telling them not to call you, but I'm not sure what the law is on this.