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Debt collector called my husband about my debt

Recently my husband receive a call from collection agency about my credit card debt from 2006. And they told my husband if “we” don’t take care the debt today, they will put my cas into court. The amount they told us we owe is $2108 but I don’t recall I have owe that much amout. My questions are:

1. Can they contact my husband about my debt?

2. Is this some kind of threat that if I don’t pay the same day they call, they will put the case to court?

3. The debt is nearly 6 years, do I still need to worry about it?

Thanks! – Ellen

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  • Sheila

    Its my understanding that it is illegal for a creditor in regards to your debt. You may wont to d some research. There are cases where creditors have ben sued and some ofthe money is given to the victim. Good luck 

  • Heather

    I live jn NY state and agencies have called My mother. Have no idea how they got her number.

    • Michael

      Hi Heather,

      Collection agencies often call neighbors and relatives under the permissible guise of locating the debtor. That practice is abused.
      Ask yourself the following:
      Have you moved addresses or changed phone numbers recently?
      Have you been contacted by the collector by phone or mail prior to them contacting your mother?

      I ask because if they have your contact info and/or have had contact with you, they already know where you are located and how to reach you.

      If you can reply with your zip code, I will locate an attorney with collection violation experience near you who you can speak with. The consultations with the attorney are generally at no cost to you.

  • Phillip phillips

    they called my grandma

    • Ellenfu

      They can’t call ur grandma… it’s against law…

      • The other Nancy

        Unfortunately, many collection agencies are unscrupulous and do whatever they can get away with to find information on the debtor or supposed debtor in order to get money to resolve the debt, including contacting relatives, friends, neighbors and employers, even though it may be illegal.  I’ve learned the hard way that these tactics are designed to scare, intimidate, and embarrass people into paying up, even when the debt may not be valid or no longer within the statute of limitations.

      • Ashley

        I have a question, I had a credit card before I got married, solely in my name. Now, 4 years later they have been trying to collect on it. They debt collectors have called my husbands work, not even speaking with my husband…. and saying they were from the credit card company…. looking for me. Is that legal? 

      • Steve Rhode

        They can skip trace and hunt you down as long as they don’t revel you are delinquent. Best approach would be for you to stop hiding and call them directly so they don’t have to make these calls.

  • Ellen

    I lived in CA, I’m not sure about the name of company, but it’s come kind of Financial company. Tks!

    • Michael

      Thanks for the follow up Ellen.

      The statute of limitations certainly appears to have passed on a 6 year debt in CA. If it indeed has, this would mean that you could not legitimately be sued for the debt in an attempt to collect. Which would also mean the collector who spoke to your husband is full of it.

      Have your husband write down everything that was said during the call. Write down all the information you have about the caller; name given, caller ID.

      I would encourage you to speak with an attorney who has experience representing consumers who are victims of collection violations. They generally do not charge any fee when speaking with you, or when representing you. They get paid when they win the case or settle with the other side.

      There are federal laws that protect you from over aggressive collection tactics, and state laws too. CA has some of the better state collection violation protections in the US.

      I will follow up later today with some attorney contact info for you to consider.

    • Steve Rhode

      I think there is a good chance it might have been about an alleged payday loan. If so this might just be one of the fake debt collector calls.

      If they call again, don’t panic or admit anything, get their telephone, name and company name and report back please.

      Also, I think Michael is going to get you some additional information as well.

    • Michael


      I would encourage you to contact the following attorney for help in determining your next step for dealing with collection harassment in California:
      Gregory Fitzgerald, Esq.
      The Seideman Law Firm
      (909)581-7354 – direct line

      Greg files all collection violation cases on a contingency basis. He files collector abuse cases in both federal and state courts.

      • Ellenfu

        Thanks for all the infos!!

      • Ellen

        Thanks for all the infos!!

  • Michael

    Hi Ellen,

    Generally, being threatened with a court action if you don’t pay that day is a pressure tactic used by some of the worst types of debt collectors. You do have options when experiencing something like what you described.

    If you can answer the following questions in a comment reply, you will get some helpful tips and more targeted responses.

    What state do you live in?

    What is the name of the collection company that called?

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