| Are You Getting Calls from 1-866-265-5945? |
Has this happened to you? You get a call from this 1-866 number. The guy on the other end of the phone tells you that you owe a debt and he is trying to collect it. Your first reaction is to rack your brain and try and figure out if you actually did forget to pay a bill. You must have done something because they have your name, number, and they sound official. Well, at least that is what they want you to think. Welcome to the wonderful world of debt collecting and extortion. There are many ways that they go about this scam. For example, a debt collector will have purchased a list of defaulted debts from a creditor. Now that the debt collector owns the debt they have the right to collect it. The problem is that in many cases they only have the name and maybe the town and no phone number. So, for example, let's say that they are trying to collect a debt for a Joe Smith that lives in Dallas. They will find any Joe Smith, call him, tell him that he owes them money, and then start the harassment process. Unfortunately, the individual might even end up paying the money. A little bit of harassment can go a long way. In other cases, they will make up a debt, call anyone, and try to collect a fictitious debt. Apparently, there are many complaints against this debt collector who owns this number and is pulling this scam. If you get a call from a debt collector, refuse to talk to them unless they send you a written letter verifying the debt. If it is your debt and you legitimately owe it, then deal with the debt collector. If not, then send them acease and desist letter. By law, they are supposed to stop calling you. One last thing, you don't have to put up with debt collector harassment. You don't have to take their calls and you don't have to stay on the phone with them. If they violate the Fair Debt Collection Practices Act, you have the right to take legal action against them. |
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