Re: CA call for debt that's not mine.[ Edited ]
11-09-2012 12:05 AM - edited 11-09-2012 12:06 AM
I would call them, but not for the purpose of helping them identify you or an asserted debt.... just the opposite.
They called you. I would, if the identify themselves as calling regarding a debt, simply ask for as much info as they have about an asserted debt of yours, offer nothing, and end the call.
That will also clearly establish an initial communication with the consumer, triggering their 5 day period to send dunning notice, which must identify the alleged creditor and amount of the debt.
I would not simply ignore any situation where a creditor might be asserting an unpaid debt.