It is common for debt collectors to call the wrong person. This occurs often when you have the same name as a debtor or you have recently changed your phone number to a number that a debtor previously had. Sometimes the number’s previous owner did not give the debt collectors their new contact information. They may have even changed their phone number in order to avoid calls from debt collectors. However, you should not be harassed by debt collectors for a debt that is not yours.

One of the common violations of the Fair Debt Collection Practices Act (FDCPA), enforced by the Federal Trade Commission (FTC) and private attorneys, is collecting a nonexistent debt. Debt Collectors often resort to creating phantom debts or bringing old and paid debts to life in search of easy money.

NCO has been calling me for over a year now trying to collect a debt I do not owe (my daughter owes the debt); NCO continues to call after I sent a cease and desist (I have letter and certified receipt);

The Fair Debt Collection Practices Act (FDCPA) is a federal statute enforced by civil litigants and the Federal Trade Commission (FTC) to protect consumers and ensure fair debt collection practices.