Same name as the debtor, but isn't the debtor.
Mi wife began getting calls a few months ago- I wasn't aware of it at first. She thought it was simply some scammers. They went on about a judgment against her, but she usually cut them off and hung up. These calls became more frequent and so we traced some of them back to "law firm" in PA, Joel Cardis LLC.
They had my wife's name exactly right, but- really- there is no judgment against her and she owes nothing to anyone (yes- that rare American). So we knew they wrong, but couldn't figure out how this had started. They didn't have her SS number and kept asking for it- she didn't give it to them. They never identified themselves- that didn't give her a good feeling about telling them anything. She has just printed her credit report and it's totally clean. I suppose, if they wanted to, they could come across her SS number by using a computer, but that would cost them time and money.
We reasoned that since the only thing they did know was readily available- the phone number under her name- perhaps the trouble was one of mistaken identity.
I did a Zaba search using her name, including the middle initial, and -lo!- three phone numbers with her name popped up. I tried them and two had been disconnected. The third number answered, but claimed no one with my wife's name was there. In fact, the said no before I had finished giving the name.
OK- I called AT&T (are you beginning to suspect something...?) and found out that, yes, someone with a name exactly the same as my wife had opened the two now-disconnected accounts. One- they were still attempting to collect on. The other had been sold to the debt collectors. The woman at AT&T basically said, that-yes- we know it's not you, but why worry?- they can't do anything to you.
Well- anyone who has received phone calls from these folks know it's very nasty stuff that comes out. I called Joel and told them what was going on- they said they had now wiped the number from their system.
I have my doubts, and am ready for more to come. We will sue- we've done it before and we'll do it again.