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How to Handle a Debt Collector Calling the Wrong Person

Man in suit at desk with phone to his ear and his other hand typing on a laptopis other hand

If you are being harassed by a debt collector that is trying to collect a debt that does not belong to you, it can be an exasperating experience. Most collectors assume you are lying and that the debt does belong to you. But, don’t give up! You have the right to demand that the collector stop contacting you. You can tell the collector verbally, but you should also send a letter making the request to stop all contact with you. If you have proof that the debt does not belong to you, it is usually wise to clearly state this in the letter and to provide copies of any supporting documentation. Be sure to keep a copy of the letter for your records.

Man at his desk holding his phone to his ear while his other hand is typing on a laptop

It is typically recommended that you send the letter by certified mail or some other means that provides proof that the collector or creditor received it. If you send the letter by fax, make sure you retain a copy of the fax receipt.

Once the collector receives a written demand to stop contacting you, the only further communication that can be made is to either inform you there will be no further contact or to inform you that it or the original creditor may pursue its legal options, including the filing of a collection lawsuit. If a debt collector continues to harass you after receiving written notice of your demand to stop all contact, it is likely a violation of the law.

While the above may be an inconvenience, it is better to take action. Do not ignore debt collectors because they will not go away. Even if they stop contacting you, they will likely file a lawsuit against you or, at minimum, report negative information to the credit reporting bureaus.

If you have debt collectors contacting you about your debt or somebody else’s debt and you need help, contact us today. It is particularly important to protect your credit rating from being damaged by somebody else’s debt. We can investigate why the collector believes the debt belongs to you and set the record straight.

Fitzgerald & Campbell handles debt collector harassment cases on a “contingency fee” basis, which means you pay us nothing unless we are successful! There is no charge to you for us to represent you. If we win, we will get paid. If we lose, we will not get paid. It is that simple. The law provides that if your case is successful, the creditor or collector will pay your reasonable attorney fees. Call us today toll free at (844) 431-3851 or contact us online to schedule a free initial consultation.

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