Caller: ARO

They’ve been calling me everyday including holidays for the past few months. I answered once and they they said that I owe money. I asked to who and they wouldn’t tell me. They wanted to verify that I was who they said I was. I said tell me who I owe money to. Wouldn’t tell me. I told them either tell me who I owe money to and why I owe them money or stop calling me. Never told me. I haven’t answered one of their calls since then. They will even call after business hours.

welcome to collections pay your bills!!!

usually you are in collections pay your bill

Caller: ARO

be harassed by ARO for no reason

They call me asking my date of birth for Security Reasons.If I say I am not going to give it than they want my address. They are calling my cell phone also. I do not have a land line had to give it up to save money. They know my situation and still keep calling.

thank you so much for posting that now i can pass that info on to my lawyerand hopefully they will stop calling me.in my case, they have the wrong number and ive had to change it 3x in the last month.i dont even have a listed number and the name the account is under isnt even close to the name of the person they keep calling for.they call me at least 13x a day starting at 7am even on a sunday.not to mention the girl that calls is rude and swears at me and threatens me,im so sick of it.

I would encourage all people to not pay debts to collection agencies.  The less money collection agencies collect, the quicker they go out of business.  In the unlikely event the collection agency does go to the courthouse to file a summons, they have to come-up with quite a lot of their own money, up to and including coming-up with the money to get the debtor to and from court by either bus, train, plane, automobile.  And where necessary, have to come-up with accommodation costs and meal allowances.  Yes, all these costs are charged back to the debtor, if the debtor loses the case.  However if the debtor isn't suable, then the judge will dismiss the case.  The judge will decide if the debtor is suable or not.  NOT the collection agency.  Also, one will notice that the bill collector NEVER threatens to sue.  They say they "MAY SUE" and they use "WE" a lot.  And that is because if they threaten to sue, then they can no longer have any further contact with the debtor, they either have to sue or f**k-off.  They also can no longer refer the debt to another collection agency, because doing anything other than suing the debtor places the collection agency in CONTEMPT OF COURT.  Judges frown down on those who are in contempt of court, and Judges get really upset with those who place others in contempt of court.  So that is why collection agencies very rarely play their Ace Card, because once they do they have to sue.  
I would encourage all people who are being chased by a collection agency to tell the collection agency to "Sue me or f**k-off", and then put down the phone.  Do not offer them any information at all on yourself, even if you are unemployed, do not tell them anything.  Keep everything about yourself private, so you can use it to your advantage and as your defence should the matter ever go to court, which it usually won't because collection agencies are not in the legal business, they are in the debt recovery business, and they just want the debtor to pay.
It is also illegal for a bill collector to telephone a debtor once the debtor has ordered the debt collector not to contact them by telephone.  This is called "Personal Harassment", and judges also frown-down on harassers, and usually fine them very heavily, and/or lock them up, and award the victim handsomely.
The best advice I would offer a debtor is to pay the money owed to the original creditor.  They won't refuse the payment, they can't, it is illegal for them to do so.  And if the original creditor refuses the payment, the debt will be written-off by the courts.  This also messes-up the collection agency, because they want the debtor to pay them.  Debt Collectors are usually bullies, and their bark is worse than their bite.  Do not fear Debt Collectors, they are only doing their job, and they are working on commission.

I find it hilarious that a rep from the number is on this site trying to defend his/her job.[removed:lang] get a real job.

thank you so much for posting that now i can pass that info on to my lawyer
and hopefully they will stop calling me.

in my case, they have the wrong number and ive had to change it 3x in the last month.
i dont even have a listed number and the name the account is under isnt even close to the name of the person they keep calling for.
they call me at least 13x a day starting at 7am even on a sunday.
not to mention the girl that calls is rude and swears at me and threatens me,
im so sick of it.

Do you want me to post my credit card numbers online too?Get a life.

You need to print off your credit report through Trans Union.   It is possible you are a victim of identity theft.   I viewed by credit report and saw The Bay card with a $2,200 balance.   I disputed it and told them that I had reported that card lost/stolen about 10 years ago.

They then removed the debt and now it is off my credit report.   Weird how it never went to collections??