I received a call from Encore today for a debt that is not mine. They also called my brother-in-law and left a message on his phone. My credit report was linked with another person of the same name. She lives in Texas, I live in Utah. I have been getting calls periodically for about 3 years now. I contacted the credit agencies to clear this up. They said it was taked care of and that any further collections have to verify Social Security Numbers before contacting me. What do I do? I asked Encore what company they are collecting from and they told me that could not tell me. AARRGGGG. Any help on what to do would be greatly appreciated.
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.