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How do debt collectors get friends phone numbers

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Here are a few ways the debt collector might have gotten your phone number. When your original credit card issuer , lender, or service provider assigns or sells the account to a debt collector, they also give the account information, including your contact information. Whatever phone number s you gave your creditor, the debt collector will also have. Your credit report contains your latest contact information, including your address and phone number. Your current creditors report your information to the credit bureaus, who then include it on your credit report. Since debt collectors have access to your credit report, they're able to get your recent contact information from your credit report.

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SEE VIDEO BY TOPIC: "How do I stop a debt collector that keeps calling me for someone else?"

Top Five Debt Collector Phone Tactics

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There's a limit to what debt collectors can say when they contact your family members. If a debt collector has been trying unsuccessfully to get in contact with you, they'll use other methods to try to get to you. That may include calling your family members to figure out the best way to contact you. They use many of the same methods to locate your relatives that they use to locate you. For example, debt collectors can easily find your relatives if you've previously shared an address with them.

The internet has made it easier than ever to find these connections with just the click of a few buttons. It's not against the law for debt collectors to contact your family members. The Fair Debt Collection Practices Act allows debt collectors to contact other people to locate you, but there are limits on what they can say. When a debt collector contacts your family, certain topics are off-limits.

You have the option to sue a collection agency that violates this law. A payment agreement will restart the debt statute of limitations the amount of time after which debt cannot be collected on and a broken payment agreement may cause the debt collector to escalate collection efforts. You can request that the debt collector stop contacting you about the debt, but you must make the request in writing by sending a cease and desist letter. You can report a debt collector who has violated your rights regarding your debt to the Consumer Financial Protection Bureau.

The Balance uses cookies to provide you with a great user experience. By using The Balance, you accept our. Debt Collection Glossary Reducing Debt. Managing Your Debt Debt Collection. Full Bio Follow Linkedin. Follow Twitter. LaToya Irby is a credit expert and has been covering credit and debt management for The Balance for more than a decade.

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What to do When Debt Collectors Call for Someone Else

There's a limit to what debt collectors can say when they contact your family members. If a debt collector has been trying unsuccessfully to get in contact with you, they'll use other methods to try to get to you. That may include calling your family members to figure out the best way to contact you. They use many of the same methods to locate your relatives that they use to locate you. For example, debt collectors can easily find your relatives if you've previously shared an address with them.

Debt collectors are strictly regulated in how they collect debts from consumers. On top of that, the Telephone Consumer Protection Act TCPA prohibits debt collectors from making unauthorized robocalls to calling you or your family and friends. If a debt collector reveals your debt to a family member or friend, or if they call your family and friends repeatedly, you should contact a consumer rights attorney immediately, as you may have a claim under the FDCPA.

I am often asked how debt collectors get a hold of your cell phone or mobile phone number when you have not given it to them. It is actually very easy to do and best yet, you give it to them. If you call a toll-free number you will not be able to block the collector from getting your caller information even if you have caller ID block that prevents others from seeing your number. A debt collector my use a local number for you to call that points to a toll-free number and get your calling phone number that way.

How Do Bill Collectors Get Cell Phone Numbers?

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How to stop debt collectors from contacting you about a relative

Collectors are allowed one phone call in an attempt to find someone, but after that, they are breaking the law. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Dear To Her Credit, I am getting phone calls asking for a relative of mine. They appear to be from a debt collector. How can I get them to stop?

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Debt Collectors Calling Family and Friends?

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Oct 20, - How would a debt collector have a relative's phone number? Wouldn't the relative have to provide this phone number? How can I get them to.

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Comments: 2
  1. Daishicage

    In my opinion you are not right. I can defend the position.

  2. Mushicage

    I hope, you will come to the correct decision. Do not despair.

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