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My older sister got into some serious trouble about 6 years ago. House was foreclosed on, car repossessed, filed for bankruptcy, the whole shebang. A couple weeks ago my parents started getting an automated call once a day asking for my sister to call them back (using her old, pre-divorce name that she hasn't used in over 10 years). I was pretty sure it was a debt collector.

We over at my parents' house on Sunday, and they got the call. DS called back. It went to a voicemail, and she left a message saying not to call her parents' again, and gave her cell phone number. (Oy! Hope she doesn't come to regret that!)

A few minutes later, a call came on my parents' line, from a person claiming that she owed $11,000 on her repossessed car. They were gracious enough to offer to take a one-time payment of $6,000. DS was really upset, so I told her to say "do not call this number anymore. Any communication must be in writing. You need to validate this debt. Goodbye." And she hung up. I told her that if she gets any more calls it's illegal, and she must not give out any more personal information.

I know she needs to check her credit report to check the status of the loan, and I can point her to the Fair Debt Collections Practice Act, but I am worried about what "mischief" the debt collector could make. I don't think they even have her address, so I don't know that she would receive any letter if they sent it. What if they sent a letter to an old address and she never got it? What if they gave her a court summons that she never got?

Is there any chance that the debt collector will give up? She has gotten her life back on track and doesn't need more trouble.


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