The phone is ringing, and I don't recognize the number,
All Caller ID says is, "NAME UNAVAILABLE".
Please help me figure out who is calling and what they want
2 calls reported from this number. According to 1 reports the identity of this caller is Debt Collector
| Who Called | Caller ID | Date |
|---|---|---|
| stellar recovery inc | 2012-02-24 | |
| Debt Collector | Portland, OR | 2012-07-28 |
3 Comments
You do have an option, and you won't stop the calls verbally anyway.
- If any third party collection agency says you owe something, be sure to respond on real paper to its federally required dunning letter with a dispute and validation request. Given the industry's documented need to break laws to get at your assets, you should dispute even if you agree slightly with the debt claim.
- You also have control of when, where, and how you are contacted. Your dispute notice may add a request to limit or revoke consent to call again. The agency legally *must* obey.
- If the account cannot legally be collected, or it's simply not you the agency wants, you're free to send a full ''cease-communication'' notice, cutting off all contact. Indicate which phone numbers and addresses are off-limits. You're not giving away anything the agency can't already know or find.
Send all notices via USPS Certified with return card. This is the method promoted by the FTC and many consumer watchdogs, and the only way to set a legal landmine, as such a notice is ignored at an agency's risk of a lawsuit from you. Pay close attention to all communication and document it well. If those contacts yield legal violations, you may collect *from* the collectors through a judge or arbitrator.
Learn how to exercise your FDCPA rights as an alleged debtor at FTC-dot-gov. See also if your state laws are stronger.
ftc.gov
Automated debt collection. No option to opt out.
This is a collection agency. Steller Recovery Inc. at 866-860-8796.