It is not uncommon to receive wrong number calls from time to time. But, when it is a debt collector calling you for someone else’s debt, it can be more difficult to stop the calls. The Federal Reserve conducted a study that showed that one in seven Americans is being pursued by a debt collector. This number has increased over the years. Many of these people are being chased for debts that they do not owe.
If this is happening to you, there are steps that you can take to avoid being contacted:
Ask the Collection Agent for Information
- Find out the name of the collection agency and address, so you will know exactly where to send you cease and desist letter. Make sure that you tell the debt collector that they are calling the wrong person.
Send a Cease and Desist Letter
- The cease and desist letter is helpful for stopping collection calls, because Federal law requires debt collectors stop calling if they have been notified in writing.
- First, make sure that you make a copy of the letter for your records. If possible, consider sending the letter through certified mail. The collector can contact you once more after receiving the letter. If contacted, they only to inform you as to what they plan to do next.
- If you continue to receive calls after this, you will need to notify the Federal Trade Commission, the Consumer Financial Protection Bureau (CFPB), and your state Attorney General that the collector(s) have violated the law.