Accounts Receivable Management Featured Article

How to Handle Debt Collection Calls for Former Owners of Your Telephone Number

November 26, 2012

It has happened to everyone: your phone rings continually, and at the other end is a debt collection company asking for someone you’ve never heard of. Many debt collectors use outdated information, and chances are that someone who owed money had your telephone number before you did.

So what do you do in this scenario? You tell the debt collector that he or she has the wrong number, and no one by that name lives in your home. You ask the company not to call again. And then you imagine the calls will stop.

How wrong you are.

Debt collection companies often don’t believe that they’ve got the wrong number, they simply believe that the debtor is trying to dodge their calls…and they continue to call. If the debt collector keeps calling after being told that they have the wrong number, the continued calls may constitute harassment under the Fair Debt Collection Practices Act, according to N. James Turner, Orlando’s Examiner.com Consumer Finance Reporter.

These repeat calls may violate other rules, as well, says Turner. They could be in violation of the Telephone Consumer Protection Act (TCPA). The TCPA prohibits calls using a pre-recorded or artificial voice to deliver a message to a consumer unless there is a previous business relationship or consent for the call by the consumer. With most calls made by the debt industry to a consumer, the previous business relationship between the creditor and the consumer is sufficient to allow the debt collector to utilize a pre-recorded message. However, with wrong number collection calls, such a previous business relationship is lacking.

So what do you do if you continue to get calls from a debt collector looking for someone else? You could consider bringing a suit against the debt collector under the rules of the TCPA. For more information and resourced, visit the FCC’s (News - Alert) online complaint form here, or call the agency at 1-888-CALL-FCC (1-888-225-5322).

Want to learn more about the latest in communications and technology? Then be sure to attend ITEXPO Miami 2013, Jan 29- Feb. 1 in Miami, Florida.  Stay in touch with everything happening at ITEXPO (News - Alert). Follow us on Twitter.




Edited by Brooke Neuman

Article comments powered by Disqus

Related Accounts Receivable Management Articles

FTC Staff Provides Comments to CFPB on Mobile Financial Services

Federal Trade Commission (FTC) staff commments on what it is doing on protecting mobile payments users. [ Read More ]
09/19/2014

The National Consumer Law Center Finds Collective Impact of Medical Debt is 'Enormous'

The National Consumer Law Center study says CFPB needs to take action on medical debt practices. [ Read More ]
09/19/2014

TrueAccord Closes $5 Million in Series A Funding for Machine Learning Debt Recovery Solution

Founded in 2013 by tech veterans from Silicon Valley, TrueAccord is a first-of-its-kind tech platform that seeks to transform the debt recovery system through automation, behavioral analytics and a human approach. The company's automated debt recovery platform helps to bridge the gap created between creditor and debtor by illustrating the behavioral patterns of those in debt and how to deal with them in the best way that results in recovering outstanding payments. Now, the company has announced … [ Read More ]
09/18/2014

Wipro to Offer Chesapeake's Financial Suite

Wipro, a leading information technology and consulting company, and Chesapeake, a premier financial software solutions firm, have announced a global partnership today. The alliance will allow Wipro to offer Chesapeake's suite of financial software solutions, encompassing Reconciliation Management and Balance Sheet Integrity (T-Recs Enterprise) as well as Treasury & Cash Management and Bank Payment Management (SmartTreasury and SmartAnalysis). They will be offered both as a cloud-based applicatio… [ Read More ]
09/16/2014
FREE Accounts Receivable Management enewslettter.

Events

Weekly Live Demo
Contact Center Solutions

Register Today!


Weekly Live Demo
CaaS Small Center

Register Today!