Feb 9, 2008
I received a call today for the 1st time and thought what a odd number I'll Google it, so here I am. With all the cell phone scams out there I didn't want to just call it back. I don't owe anyone $ but I do know from working for the debt collection dept of Capital One and the "portfolios" of debt they would buy there are some laws that can assist us. For one if you get ahold of someone at the company & they refuse to remove your number they HAVE TO give you an address or fax number were you can send a cease & desist letter for further contact. If they contact you after this there are HUGE penalties by the FDCPA, your local District Attorney will handle it so you don't have to waste your time. Also if you actually speak with a person, legally they CANNOT call you again in the same day, again this waves a heavy penalty. I know it seems a waste of your personal time to deal with the D.A. if need be but if they are as unprofessional as it sounds in prior messages it will be worth it. Companies such as this purchase debt, they do a search that will lead them to phone numbers EVERYWHERE and just start calling in hopes of getting the one person who owes something, they will call neighbors, family , the person who lived at your address 15 years ago, etc. It's crazy. Also these companies have been known to sell the debt & portfolios as is to another company with all the wrong info marked as right, simply because it makes more money, so as pessimistic as it may sound once they are done it may not be over. I am only speaking from being on the other end and I can assure you there is nothing worse than calling the wrong people but I can understand the reactions. Hopefully they won't be successful & the calls will cease.