My name is Kathleen and I’m sure you’ve heard every story under the sun by now. My life has been a downward financial spiral. I’ve been living off of odd jobs and my credit cards to survive.
In October, I left LA and moved to Asia, where I am now. Hopefully, I’ll find better work with my resident visa and be able to not live off of anyone.
My story: Before I lost all of the money I worked to save, totaling $130K, plus my home, right after the company I worked for went under, my credit and life was debt-free, cleaned up everything, paid off student loans, car, everything.
Now…I have major credit card debt. Sold my car and paid off a personal USAA loan. But I still owe USAA, Discover, and Chase credit cards. I stopped paying them a few months ago. I just don’t have enough anymore. I moved overseas and don’t plan on returning anytime soon. Now, they started calling my MOM’s!!!! I have NO idea how they got her # but they’ve been calling practically EVERYDAY.
My mom didn’t know of any debt, now she’s giving me major stress, as she is worried about me. I know it’s not legal for them to call. What should I do at this point?
I was going to write them a letter informing them that I’ve moved and to stop harassing my family. I don’t have any assets for them to take. I have nothing! I’m 37 with my life upside down. No car, no money, nada. Haven’t filed bankruptcy and don’t have the means to. My credit is screwed. When you have time, please let me know what you advise me to do.
I’ve looked up laws and they’re not allowed to harass anyone, especially family and friends. Please let me know when or if you can.
I know for sure that Chase Bank called my mom’s house and she said more random phone calls from parties she’s unsure of having been calling daily. Also, my first delinquent account was with Discover Card. They’ve apparently sold my debt to Integrity Financial which I had no idea until I looked at my credit report and saw a “hard inquiry” by Integrity Financial Collections and Discover Card, less than a month apart from each other. I’m assuming that it is the collections agency who kept calling me since Discover was my only delinquent account, yet they never stated who they represented or what debt I owed and would call with voice recorded messages and even unprofessional people who could barely pronounce my name, acting as an acquaintance by first name basis and no company affiliation. So, I have no idea what to do at this point. It’s become out of control.
Cheers & All the Best,
The best solution to end this quickly and forever would be for you to file bankruptcy back in the U.S. while you are still eligible. You’d need to click here to find a local bankruptcy attorney in the area you lived in before you left the U.S. You have a short window to do this.
Otherwise, it’s quite possible your mother and others you may have listed as contacts on credit applications will continue to get calls into the future. While the collectors can’t disclose the facts about your debt, they can certainly call to try and locate you.
The collectors will continue until some point the debt is sold to another debt buyer and the process will begin all over again. You’ve already witnessed this. And as the debt gets older and older the professionalism of the downstream companies that buy it seems to diminish as well.
All of the advice I normally give is for people who deal with the collector directly. In this case though that person is you and you are now in Asia. Your mother and others are not responsible for your debt unless they cosigned for it.
You still might want to read How to Deal With The Debt Collector.
Outside of my advice above the quickest way to stop calls to you mom will be for her to change her telephone number.
Please post your responses and follow-up messages to me on this in the comments section below.