Reply
New Member
mlawsonmcse
Posts: 1
Registered: ‎10-11-2010
0

Collectors contacting current in-laws about ex's debts

So, my ex-wife has apparently stopped paying all of her debts?  I have remarried and moved.  She has never lived in my current residence, however, I continue to receive plenty of her debt collection letters and the phone calls keep coming.  Now, that part doesn't bother me as much, but lately they have tried a new tactic; They are contacting my current wife's parents!  Talk about infuriating!!  I know they didn't get their contact information from my ex as she doesn't even know my current wife, but my question is how the hell did they get that information and what the heck are they thinking??  Not a very fun predicament I'm in to say the least.  I understand they have a little lee-way, but my current in-laws??  Anyway, what would be the best course of action for me here?  I'm worried that once they pass the debt off to someone else, the calls will resume to my in-laws.  I welcome your input! :smileyhappy:

Moderator Emerita
Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007
0

Re: Collectors contacting current in-laws about ex's debts

Are any of these debts left over from when you were married? Even if you weren't listed as a joint owner of the card/ loan/ debt, you might still be liable, depending on the laws in your state.  :smileytongue:

 

Otherwise, the way that they've found out these addresses is through the chain pf addresses on credit reports of ex-wife --> you --> current wife --> her parents. It doesn't mean that they're liable, but all these previous addresses and shared names and old history can be found with stubborn searching.

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Senior Contributor
O6
Posts: 3,626
Registered: ‎10-13-2009
0

Re: Collectors contacting current in-laws about ex's debts

[ Edited ]

mlawsonmcse wrote:

So, my ex-wife has apparently stopped paying all of her debts?  I have remarried and moved.  She has never lived in my current residence, however, I continue to receive plenty of her debt collection letters and the phone calls keep coming.  Now, that part doesn't bother me as much, but lately they have tried a new tactic; They are contacting my current wife's parents!  Talk about infuriating!!  I know they didn't get their contact information from my ex as she doesn't even know my current wife, but my question is how the hell did they get that information and what the heck are they thinking??  Not a very fun predicament I'm in to say the least.  I understand they have a little lee-way, but my current in-laws??  Anyway, what would be the best course of action for me here?  I'm worried that once they pass the debt off to someone else, the calls will resume to my in-laws.  I welcome your input! :smileyhappy:


What exactly did they say to your wife's parents?

 

While original creditors have much more leeway, CAs cannot call third parties unless it is an attempt (and I believe they only have one shot at this) to locate you.  Since they already know how to contact you, that means they should not contact anybody else, period.

 

File a suit against them for FDCPA violations.  You can do this in small claims court.

 

In the meantime, if the statute of limitations has expired, you can safely write them what we lovingly refer to as a FOAD letter, but better known as a Cease & Desist ordering them to cease all communications with you or anybody else regarding this debt.

IAALBNYL
New Contributor
dwhanc00
Posts: 55
Registered: ‎07-28-2009
0

Re: Collectors contacting current in-laws about ex's debts

Does that work with Federal Student loans?  The loan is almost 15 yrs old and they recently called my parents on debt for my wife.  This was debt prior to us getting married....

Senior Contributor
O6
Posts: 3,626
Registered: ‎10-13-2009
0

Re: Collectors contacting current in-laws about ex's debts


dwhanc00 wrote:

Does that work with Federal Student loans?  The loan is almost 15 yrs old and they recently called my parents on debt for my wife.  This was debt prior to us getting married....


Probably not.

 

Original creditors are not controlled by the FDCPA.  And student loans never die.

IAALBNYL

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}