Re: Need advice/info for debt collector calls.
Posted: Tue Sep 15, 2015 10:45 am
Thank you everyone for the help and advice. I had no idea of the technology available to spoof ID. My wife is going to contact both the AG and any federal agency that is appropriate to make complaints.
I'll try to answer some of the questions s I recall them. Not necessarily in order.
Evergreen Acquisitions is a real entity and though difficult to find. JAllen posted this link
http://www.egacq.com/services.html
We answered the phone because it was a familiar number. After my post I looked at our call ID list on our home phone and they called from several different numbers but left no messages. Yesterday during the drive home my wife missed a call and message on her cell phone from Evergreen regarding a fraudulent attempt to gain credit under her name had occurred and that she was required to call back to confirmed her name, address, SS#on the drive home had. I was a pre-recorded robot call and of course she ignored it. It was an 844 AC but several AC's show u, 844, 202, 256, and of course our own. We intend to ignore their calls.
Her brother is not capable of remembering if this is legitimate or not. He ran way from a home three years ago and married a woman he met online who was 35 years younger than him. He left her about two years later and my wife assisted him in getting a divorce after crashed physically and mentally in Galveston in May of 2014. There's much I won't go into but she was taking him to Louisiana to gamble since he had very generous SS and VA pensions. He more than likely made loans but we have no documentation. He ended up losing his VA pension and was hit with a $63M demand to repay it. We had to support him to get into a privately run assisted living home while my wife tried to get his pension reinstated which took almost a year. If this is a legitimate debt she wants to pay it, but I reminded her that this debt if real has written off by the original lender and sold for pennies on the dollar to this debt collector.
I assured my wife that you can't be arrested and jailed for a defaulting on a debt, except under certain circumstances where intentional fraud is involved.
As far as knowing our phone numbers there's not a good explanation (legal) that we can come up with. Her DL could be a source but there's no good explanation for how they would have it. The only connection they could look to between my wife and her brother would be her name and his in VA and SS data. Our home phone number is unlisted and my wife's cell phone is not under her name. All of our phone numbers are registered on "no call lists". Apparently they didn't know he doesn't live with us though my wife told the first caller he was in a home. No way that connection for her name and his would be known to them. The guy yesterday still insisted I was him since he called our house phone.
I have recorded phone calls before and was under the impression only one party notification was all that was required in Texas. I am not aware of federal requirements for notification. I've seen Judge Judy mention one party and two party states for phone call recording. I assumed it was legal.
I going to buy a boat horn.
Again thanks everyone for the help. I'll update with any significant info as we proceed;
BTW during the original call I was contradicting what the guy was stating and repeatedly advised her to hang up. She tries to be nice to people but said next time she'll take my advice. WOW!
I'll try to answer some of the questions s I recall them. Not necessarily in order.
Evergreen Acquisitions is a real entity and though difficult to find. JAllen posted this link
http://www.egacq.com/services.html
We answered the phone because it was a familiar number. After my post I looked at our call ID list on our home phone and they called from several different numbers but left no messages. Yesterday during the drive home my wife missed a call and message on her cell phone from Evergreen regarding a fraudulent attempt to gain credit under her name had occurred and that she was required to call back to confirmed her name, address, SS#on the drive home had. I was a pre-recorded robot call and of course she ignored it. It was an 844 AC but several AC's show u, 844, 202, 256, and of course our own. We intend to ignore their calls.
Her brother is not capable of remembering if this is legitimate or not. He ran way from a home three years ago and married a woman he met online who was 35 years younger than him. He left her about two years later and my wife assisted him in getting a divorce after crashed physically and mentally in Galveston in May of 2014. There's much I won't go into but she was taking him to Louisiana to gamble since he had very generous SS and VA pensions. He more than likely made loans but we have no documentation. He ended up losing his VA pension and was hit with a $63M demand to repay it. We had to support him to get into a privately run assisted living home while my wife tried to get his pension reinstated which took almost a year. If this is a legitimate debt she wants to pay it, but I reminded her that this debt if real has written off by the original lender and sold for pennies on the dollar to this debt collector.
I assured my wife that you can't be arrested and jailed for a defaulting on a debt, except under certain circumstances where intentional fraud is involved.
As far as knowing our phone numbers there's not a good explanation (legal) that we can come up with. Her DL could be a source but there's no good explanation for how they would have it. The only connection they could look to between my wife and her brother would be her name and his in VA and SS data. Our home phone number is unlisted and my wife's cell phone is not under her name. All of our phone numbers are registered on "no call lists". Apparently they didn't know he doesn't live with us though my wife told the first caller he was in a home. No way that connection for her name and his would be known to them. The guy yesterday still insisted I was him since he called our house phone.
I have recorded phone calls before and was under the impression only one party notification was all that was required in Texas. I am not aware of federal requirements for notification. I've seen Judge Judy mention one party and two party states for phone call recording. I assumed it was legal.
I going to buy a boat horn.
Again thanks everyone for the help. I'll update with any significant info as we proceed;
BTW during the original call I was contradicting what the guy was stating and repeatedly advised her to hang up. She tries to be nice to people but said next time she'll take my advice. WOW!
get that disclosure and their consent on tape first thing. Then, and only then, talk about whatever they have to talk about.