This comment is clearly WRONG. the burden of proof is always on the accuser; Not the accused!
You accuse me -- fine -- YOU PROVE IT!
No -- an Assertion that the debt is mine is NOT PROOF.
But that is exactly what happens when I get phone calls from debt collectors who are seeking out somebody that happens to have my name. The collector can not tell me anything about the debt that they assert is mine until I acknowledge that the debt is mine; which I will not do until they convince me that the debt is mine by supplying PROOF (not assertion).
My particular cause for anger is that someone with my name that lived in a nearby town clearly left some bad debt around -- student loan debt and various credit card debts (some with companies that I have accounts with) -- so now what to the debt collectors do? They start contacting everyone with the same name and start accusing them that the debt is their debt. That's what they did to me -- probably 5-6 different debt collection agencies over the past year -- all looking for the same person -- NOT ME!!
With the tidbits of info that I got from some of the collectors, I located the actual person's former address and some background info -- like his age range (per whitepages.com) -- again, close to my own. Not hard stuff to do, but why do I need to field these calls? And there can be several calls a day -- starting at 8AM on a Saturday!
Then they just piss me off and I get rude and back and forth it goes.
The debt collectors don't do any proper research -- if they did then they would see that I have been at my address for the last 18 years!!
But no -- they just call and call and call.
What is my protection???
NONE!
What is my recourse??
NONE!
Isn't there something about a Right to Privacy somewhere in the BILL OF RIGHTS?
Why do I need to defend myself against a WRONG ASSERTION that the debt is mine?
You THINK its mine -- then you send me a certified letter with the actual proof that it is mine!@
Yes-- the agreement with my signature! with my SS number
with my last known address. That is proof.
What??? -- don't have it -- then do not call me!!
Don't call or bother anyone unless that you have something other than just a common name to go on.
That is just randomly calling people and making accusations.
That is what debt collectors do today -- And it is really annoying!
Oh -- and by the way -- they don't provide anyway for me to call them?? Now why is that!?? Don't you want your debitor to contact you? Isn't that exactly what you want? So why are you hiding??!@?
You just can't go around calling everybody with the same name as your debitor. You need something to collaborate the ID.
do not even think of asking for my info -- my previous addresses, my SS number, etc. JUST FORGET ABOUT THAT!
NOT HAPPENING!
I should have recourse to sue all of you for your false accusations and worse yet -- taking up my time.
H
1
This comment is clearly WRONG. the burden of proof is always on the accuser; Not the accused! You accuse me -- fine -- YOU PROVE IT! No -- an Assertion that the debt is mine is NOT PROOF. But that is exactly what happens when I get phone calls from debt collectors who are seeking out somebody that happens to have my name. The collector can not tell me anything about the debt that they assert is mine until I acknowledge that the debt is mine; which I will not do until they convince me that the debt is mine by supplying PROOF (not assertion). My particular cause for anger is that someone with my name that lived in a nearby town clearly left some bad debt around -- student loan debt and various credit card debts (some with companies that I have accounts with) -- so now what to the debt collectors do? They start contacting everyone with the same name and start accusing them that the debt is their debt. That's what they did to me -- probably 5-6 different debt collection agencies over the past year -- all looking for the same person -- NOT ME!! With the tidbits of info that I got from some of the collectors, I located the actual person's former address and some background info -- like his age range (per whitepages.com) -- again, close to my own. Not hard stuff to do, but why do I need to field these calls? And there can be several calls a day -- starting at 8AM on a Saturday! Then they just piss me off and I get rude and back and forth it goes. The debt collectors don't do any proper research -- if they did then they would see that I have been at my address for the last 18 years!! But no -- they just call and call and call. What is my protection??? NONE! What is my recourse?? NONE! Isn't there something about a Right to Privacy somewhere in the BILL OF RIGHTS? Why do I need to defend myself against a WRONG ASSERTION that the debt is mine? You THINK its mine -- then you send me a certified letter with the actual proof that it is mine!@ Yes-- the agreement with my signature! with my SS number with my last known address. That is proof. What??? -- don't have it -- then do not call me!! Don't call or bother anyone unless that you have something other than just a common name to go on. That is just randomly calling people and making accusations. That is what debt collectors do today -- And it is really annoying! Oh -- and by the way -- they don't provide anyway for me to call them?? Now why is that!?? Don't you want your debitor to contact you? Isn't that exactly what you want? So why are you hiding??!@? You just can't go around calling everybody with the same name as your debitor. You need something to collaborate the ID. do not even think of asking for my info -- my previous addresses, my SS number, etc. JUST FORGET ABOUT THAT! NOT HAPPENING! I should have recourse to sue all of you for your false accusations and worse yet -- taking up my time.
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