Collection Agency Calling for Son's Debt

My son who moved out over a year ago owes two credit card debts and can't afford to pay these. They have now been sent to collection agencies.

We got one call the other day and my wife answered and was caught off guard because we had company at the house. They asked for my son and she said he is at work and the person said I'll call back later.

They called my mother and she explained he doesn't live there. I'm assuming now they think he lives here. They keep calling now but we have caller id so we haven't answered again. They have called my son also and he didn't answer.

My son is a barber and is the fourth guy in a barber shop and doesn't make a lot of money. He just pays for the chair rental and gets cash for every haircut. He is just getting by. He has school loans and rent etc. that he pays.

My son is asking me what he should do. His address is not listed anywhere because he never changed his address from when he lived here. All his mail comes here. Am I better off just telling them once and for all his new address and his barber shop address and cell phone number which they already have? or just not answer.

I don't want them to start calling everyone in the family and his friends. I know sooner or later they'll find out. Also should my son talk to these people and explain that he has no money and just send any letters to my parents house.

Reply from

This is a tough situation for everyone. First of all, if the debt collector has located your son then they must stop calling third parties. Ask your son if it's OK to confirm his cell phone number. Since they already have it, it doesn't sound like there is any reason not to confirm. Tell the debt collector you are confirming his phone number, and ask them not to contact you again. If they continue either file a complaint with the Consumer Financial Protection Bureau or talk to a consumer law attorney.

As for what he can do, do you think he would be willing to call a credit counseling agency? Maybe you can make the call with him so you can help him decide how to proceed. If they cannot help him, then it would be a good idea for him to at least talk with a bankruptcy attorney. Again maybe if you can go with him to talk with one you can help him figure out an approach to dealing with his debt.

And, of course, you may want to get him a copy of our ebook Debt Collection Answers to read as well!

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