Credit Card Company Calling Me About Someone Else's Debt

by Ridge

Discover card keeps calling for my son..I told them he doesn't live here but they keep calling about 11 times a day, how do I get them to stop calling my house?

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Sep 07, 2011
Credit Card Company Calling Me About Someone Else's Debt

Sorry to hear that you are having this problem. I recommend that you send the credit card company a letter stating that the debt it is trying to collect from you is not yours and the person who owes the money is not at your address. Also, ask that all calls and letters from the credit card company related to the debt stop. Make a copy of your letter and send the original to the credit card company via certified mail with a return receipt requested. (Note: Do not send the letter to the address for making account payments.) If the phone calls do not stop after your letter has been received, I recommend that you contact a consumer law attorney in your area who helps consumers resolve debt collection problems.

By the way, because you indicate the credit card company itself is calling you and not an outside debt collector, you are not protected by the federal Fair Debt Collection Practices Act. Even so, there may be another law that applies to your situation. The attorney you meet with will know what to do.

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