Calls for ex-husband

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holyrood

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I’m assuming they’re from debt collectors. He ran himself hugely into debt.

I was advised some time ago not to give them any information, regardless of the fact that he did run up this debt and owes them.

What I dislike about these calls is they sometimes start asking questions about me. The one I just received wanted me to pass on a message, gave me the name and phone number, with no indication of who he really is, if he’s with a company, or why he’s calling, but wanted to know who he’s speaking to–presumably trying to get at my relationship to XH.

What is the best response to these phone calls? I had nothing to do with this debt, he got the cards behind my back and went out of his way to hide them. We have absolutely nothing to show for all that debt, so I have no idea what it was spent on. And all the debt was given to him in the divorce, as they were his cards. But I’ve been told that there are legal loopholes in which a company could potentially come after me (although I think that might be only if my name had been on the cards, which it wasn’t.)
 
If you don’t have caller ID, then you should get it. Only answer calls from people you know.
 
Both are really good answers. If they start to ask you personal questions, ask them why do they need to know that? It’s none of your business, and tell them so. Maybe even get an answering machine with a message saying that if it’s a debt collector, you don’t take those kind of calls.
 
When my mother had a debt from a company she gave my phone number since she didn’t actually have one, not even the home number at the time. So when I got bored of taking all the calls, I just told them that, the number they were calling was not hers, it was mine so I asked them to remove the number from the database and they did. Problem solved.

I’m not sure if they do that where you live though, however I don’t quite understand how they keep calling you instead of him? Maybe it’s your home phone? If it is the home phone there is a quick solution, unplug. 🤷
 
“I’m afraid you have the wrong number.”

Any further questions should be met by, “That is none of your business. I have told you that you have the wrong number. Please remove this number from your database. Goodbye.”
 
UbiCaritas said:
“I’m afraid you have the wrong number.”

Any further questions should be met by, “That is none of your business. I have told you that you have the wrong number. Please remove this number from your database. Goodbye.”
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👍👍

I once got a phone call from a collection agency for my neighbor. :eek:

They asked to speak with me, because they had looked me up on line.

After I said, “speaking.” They wanted me to “go next door” and ask them to come to the phone. And that they could and would continue to call me until the neighbors paid their bill. :eek::eek:

I told them to lose my number because if they called it again, it was harassment. 👍
 
maryjk said:
👍👍

I once got a phone call from a collection agency for my neighbor. :eek:

They asked to speak with me, because they had looked me up on line.

After I said, “speaking.” They wanted me to “go next door” and ask them to come to the phone. And that they could and would continue to call me until the neighbors paid their bill. :eek::eek:

I told them to lose my number because if they called it again, it was harassment. 👍
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snort

I should jolly well think so! :mad:

The only thing I might have added is, “Furthermore, if you contact me again about this matter, I will consider it harassment, as will my attorney. This call has been appropriately documented, and I will forward him/her the details.”

But then, I’m just nasty that way. 😃
 
holyrood said:
I’m assuming they’re from debt collectors. He ran himself hugely into debt.

I was advised some time ago not to give them any information, regardless of the fact that he did run up this debt and owes them.

What I dislike about these calls is they sometimes start asking questions about me. The one I just received wanted me to pass on a message, gave me the name and phone number, with no indication of who he really is, if he’s with a company, or why he’s calling, but wanted to know who he’s speaking to–presumably trying to get at my relationship to XH.

What is the best response to these phone calls? I had nothing to do with this debt, he got the cards behind my back and went out of his way to hide them. We have absolutely nothing to show for all that debt, so I have no idea what it was spent on. And all the debt was given to him in the divorce, as they were his cards. But I’ve been told that there are legal loopholes in which a company could potentially come after me (although I think that might be only if my name had been on the cards, which it wasn’t.)
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Unfortunately, they have already made contact with you and will probably keep bugging you for a while. You can just hang up on them until they get tired of it and go after him some other way. Investing in caller id will go a long to keep your phone lines free for your use only.
 
holyrood said:
What is the best response to these phone calls?
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THere is no one here by that name. I am on the do not call list. Do not call here again.

RInse, repeat, hang up.
holyrood said:
But I’ve been told that there are legal loopholes in which a company could potentially come after me (although I think that might be only if my name had been on the cards, which it wasn’t.)
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a) That depends upon whether or not it is a community property state.

b) Familiarize yourself with the fair debt collection practices act.

c) DO NOT give these callers ANY information on who you are, what your relationship is, etc. Simply say “THere is no one here by that name. Do not call me again.”. And then hang up.
 
1ke said:
THere is no one here by that name. I am on the do not call list. Do not call here again.

RInse, repeat, hang up.

a) That depends upon whether or not it is a community property state.

b) Familiarize yourself with the fair debt collection practices act.

c) DO NOT give these callers ANY information on who you are, what your relationship is, etc. Simply say “THere is no one here by that name. Do not call me again.”. And then hang up.
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Yes, do not give out any information. Tell them, they have the wrong number and to stop calling you. (You could make sure they tell you which collecting agency they are from). Then if they keep calling you, you might not even have to speak with an attorney. My mom called the cops on harassing debt collectors (for someone else) and that stopped the calls.

However, debt often get resold to new agencies, if the first cannot collect. (sometimes 3 or 4 times). So then you might get new calls from new agencies and start the process all over. Just keep repeating, “you have the wrong number, do not call this number again” and if the call again “if you call again, I will consider this harassment, and will call the police/contact my attorney.”
 
I simply told the collectors that ExH and I were divorced. He no longer lives here and the debt is his in the divorce papers, not mine. Please do not call here again or I will consider this harassment.

I also ran my credit when my current husband and I bought our house and found some of my ex’s debt was merged with my report because we were married and had to send all of the credit reporting agencies copies of the divorce papers saying the debt was his so it could be removed from my report.
 
Thank you, all. I’ve often said there’s no one here by that name. I think I may have to make that the standard.

My phones have caller ID built in, but they’re old and the screens are broken. I can replace them easily, of course.

At first, I felt like it was his debt he ran up, sure, I’ll give his number. But he hasn’t lived here in 28 months, and I’m really tired of dealing with it. I assume they have my number because it was his number when he applied for those credit cards.

Calling and telling you to go get the neighbors!!! THAT takes the cake!
 
maryjk said:
We thought so.

It was incredible.

My husband and I still talk about it.
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Were the neighbors friends? Did you ever tell them?

I think maybe in part I’ve wondered at the back of my mind what my moral obligation is, considering he did run up that debt. On the other hand, it’s looking like I could spend my life handing out his number, which is really not my job, and frankly, with the interest rates they charge, I have no doubt they’ve already gotten two or three times the amount they actually lent him, anyway.
 
holyrood said:
Were the neighbors friends? Did you ever tell them?

I think maybe in part I’ve wondered at the back of my mind what my moral obligation is, considering he did run up that debt. On the other hand, it’s looking like I could spend my life handing out his number, which is really not my job, and frankly, with the interest rates they charge, I have no doubt they’ve already gotten two or three times the amount they actually lent him, anyway.
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No, and no.

Our neighbors changed almost monthly. We never really go to know most of them. In fact, most of them moved out in the middle of the night. These particular neighbors included.

I didn’t feel any moral obligation to pass on the message. I am not a collection agent, bounty hunter or the like.
 
maryjk said:
No, and no.

Our neighbors changed almost monthly. We never really go to know most of them. In fact, most of them moved out in the middle of the night. These particular neighbors included.

I didn’t feel any moral obligation to pass on the message. I am not a collection agent, bounty hunter or the like.
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This is why you never give out any information to people you do not know on the phone (namely debt collectors LOL). My husband worked for an agency for a while, and they would try and do this. They ask you if you know such and such, and then when you say they are my neighbor, ex–husband, child, etc. They try and get you to give them a message. If you say you will pass along a message, you become a valid contact number. And they will call you and call you. My husband refused to do this and other unethical practices and “came to a mutual decision with management the he no longer wanted to work there.” LOL, debt collecting can suck the soul out of you, I am so glad dh isn’t there anymore.
 
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