Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Pull all 3 free credit reports and review them carefully. Then go through the process of freezing your credit at all 4 bureaus.

I know someone whose father destroyed his credit and he didn't find out until he was an adult looking into student loans for college. Didn't want to prosecute his Dad

DP. Can you tell me what the 4 bureaus are? I have 2 locks, but not 4.

There are only 3: Experian, TransUnion, Equifax.

There is also Innovis

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I think debt collectors look for relatives and ask for money, don't they? It's not necessarily that your brother pretended to have your address.

They most certainly do not unless it's the kind of debt collector that works for the mob.

Not correct. They will go around to relatives. They’re not the most ethical group of people.

Do you think Bank of America tracks down relatives?

I mean, are you guessing, or speaking from experience? The posters that have spoken to the affirmative, are speaking from experience.

The only reason BOA is tracking down a relative is if OPs brother has a second underwater mortgage on his $2.5 million home that they financed and is now in foreclosure.

They do not care about small-time $3K credit card debt.

Her brother needs to tell her what he did or what shady characters put up cash for his homes.

Of course they care about 3K credit card debt!! What a ridiculous statement. They care about ANY debt and will do what they can to collect it. If they sell it to another company, then that's what the company is in business to do -- collect the debt they bought.

They're debt collectors. They're tracking him down any way they can. That doesn't mean your brother is giving out your name and address on forms.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I think debt collectors look for relatives and ask for money, don't they? It's not necessarily that your brother pretended to have your address.

They most certainly do not unless it's the kind of debt collector that works for the mob.

Not correct. They will go around to relatives. They’re not the most ethical group of people.

Do you think Bank of America tracks down relatives?

I mean, are you guessing, or speaking from experience? The posters that have spoken to the affirmative, are speaking from experience.

The only reason BOA is tracking down a relative is if OPs brother has a second underwater mortgage on his $2.5 million home that they financed and is now in foreclosure.

They do not care about small-time $3K credit card debt.

Her brother needs to tell her what he did or what shady characters put up cash for his homes.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I think debt collectors look for relatives and ask for money, don't they? It's not necessarily that your brother pretended to have your address.

They most certainly do not unless it's the kind of debt collector that works for the mob.

Not correct. They will go around to relatives. They’re not the most ethical group of people.

Do you think Bank of America tracks down relatives?

I mean, are you guessing, or speaking from experience? The posters that have spoken to the affirmative, are speaking from experience.

Anonymous wrote:It's very common for relatives names to be listed at other relatives addresses online even if they never lived there, so the debt collector may have thought they had a shot at finding him at your address. That info is easily obtained on the internet. Some people buy debt for pennies on the dollar and then go try to collect it themselves.

This. Someone whose employees have access to Google bought his debt. Keep tabs on your own credit, but his debt problems are probably just getting worse.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I think debt collectors look for relatives and ask for money, don't they? It's not necessarily that your brother pretended to have your address.

They most certainly do not unless it's the kind of debt collector that works for the mob.

+1 Most debt collectors don't send people to knock on doors either

Credit card debt collectors do not show up at people’s homes. Your brother borrowed from a loan shark or a gang or the mafia. Better find out which - fast.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Pull all 3 free credit reports and review them carefully. Then go through the process of freezing your credit at all 4 bureaus.

I know someone whose father destroyed his credit and he didn't find out until he was an adult looking into student loans for college. Didn't want to prosecute his Dad

DP. Can you tell me what the 4 bureaus are? I have 2 locks, but not 4.

There are only 3: Experian, TransUnion, Equifax.

Thank you. My two are Experian and Equifax. And I don't bank at a credit union.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I think debt collectors look for relatives and ask for money, don't they? It's not necessarily that your brother pretended to have your address.

They most certainly do not unless it's the kind of debt collector that works for the mob.

Not correct. They will go around to relatives. They’re not the most ethical group of people.

Do you think Bank of America tracks down relatives?

You think BofA keeps the debt? They sell it off to unethical people for pennies on the dollar.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Ummmmm. . . Legit debt collection agencies don’t send people out knocking on doors. What has your brother gotten into?

This is my worry. His credit is shot to pieces due to the foreclosure. What can i do to protect myself. Im really nervous

Get a Ring type camera. Make sure you and your family are locking the doors. Just personal safety awareness.

This. I would also call the police non-emergency number and get their guidance about how to make sure you are protected. And you don't want to scare your kids but you do need them to be vigilant about not talking to strangers even in familiar surroundings like when they're in their own yard or they're at the grocery store with you.

It sounds very unusual that a debt collector showed up at the house. FWIW I volunteer with our church's program that helps people in financial need. I have done it for over 10 years. I have never, ever heard anyone say that a debt collector showed up at their house, and we've worked with some people in very desperate situations who have made some awfully poor choices with lenders.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I think debt collectors look for relatives and ask for money, don't they? It's not necessarily that your brother pretended to have your address.

They most certainly do not unless it's the kind of debt collector that works for the mob.

Not correct. They will go around to relatives. They’re not the most ethical group of people.

Do you think Bank of America tracks down relatives?

Anonymous wrote:

Anonymous wrote:Ummmmm. . . Legit debt collection agencies don’t send people out knocking on doors. What has your brother gotten into?

This is my worry. His credit is shot to pieces due to the foreclosure. What can i do to protect myself. Im really nervous

How was he able to buy another house, if he claimed bankruptcy?

It's very common for relatives names to be listed at other relatives addresses online even if they never lived there, so the debt collector may have thought they had a shot at finding him at your address. That info is easily obtained on the internet. Some people buy debt for pennies on the dollar and then go try to collect it themselves.

Anonymous wrote:

Anonymous wrote:I think debt collectors look for relatives and ask for money, don't they? It's not necessarily that your brother pretended to have your address.

They most certainly do not unless it's the kind of debt collector that works for the mob.

Not correct. They will go around to relatives. They’re not the most ethical group of people.