Being Hounded by exuBPD DIL creditors

[behindme]

I can only assume that's who they are. I've been getting calls from 800 services, at first I was ignoring the calls - letting them go unanswered - but they started multiplying and I work from home so some slipped in and they've been multiplying and persistent. All I know is that they're asking for her, and they're on behalf of various stores. I've said she is my former DIL with whom I've had no contact, to please stop calling. My son has no idea what the calls are in regard to, other than knowing she's had bad credit in the past - and recently somehow purchased a new luxury car. Once I decline the calls, I believe the callers are obligated to remove our number but I hope this isn't an ongoing pattern. How does one put an end to such - admittedly minor - but disturbances nonetheless?

[Turkish]

How annoying to say the least. This seems like a legal matter. Did you ever cosign anything with her or were otherwise attached to her credit history? It might be worth a call to one of the credit bureaus, or maybe a query post to avvo.com to see if you can get input from an attorney to we how you can put an end to this harassment. Your credit history is clear, at least of her, no?

[HappyChappy]

Sounds awfull. If they are debt collectors, then they will be excellent shroud waivers and tree shakers. Meaning they will play on our ignorance of the law. They’re calling you because that’s the only contact they have, and sometimes boyfriends pay up. This doesn’t mean they have a right to hound you – so get legal advice, as they will tell you how to fend them off.  As for blocking calls there are devises/phones with features to help in that area also. Best of Luck. 

[behindme]

No, definitely never consigned any loans for her but live in same city so I can see how they tracked to our name especially sine we have a landline and our son does not. But HappyChappy brings up a good point I'd totally forgotten about... .our phone carrier bodes provide a service to block callers. Silly of me to have forgotten- now I just have to identify the numerous ones and hope there's a limit to this madness.

[Meadowslark]

Hi Behindme!

I used to work with debt collectors a long time ago and thought this might help:

www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text

This is what debt collectors can and cannot do. If you tell them to stop calling, legally they are supposed to do that. There are avenues through which you can prove you have nothing to do with this debt, including mailing letters to the creditors with that information. It's an exhaustive process if they don't go away initially and I'm so sorry you have to deal with this.

[behindme]

Hi Behindme!

I used to work with debt collectors a long time ago and thought this might help:

www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text

This is what debt collectors can and cannot do. If you tell them to stop calling, legally they are supposed to do that. There are avenues through which you can prove you have nothing to do with this debt, including mailing letters to the creditors with that information. It's an exhaustive process if they don't go away initially and I'm so sorry you have to deal with this.

Thanks, Meadowslark - that's quite the list!  We - dh and I - have impeccable credit so this certainly would be a blight if any attempts were made on ours and I would certainly *think* that debt collectors would realize they were barking up the wrong tree by attempting to contact us. Fortunately, my finally answering the phone, inquiring what and who the matter was about and that we've had NC with this ex-family member for over a year seems to have ended all such calls. So they are following SOP.  Good to know and thank you for your help.  Now if only the exDIL could get help with her out of control spending... .