Posted on 01/15/2009 10:23:34 AM PST by Puppage
I agree. The 27 year old probably had enough of an estate to pay off part of his debts, and his “Personal Representative” — probably a parent — isn’t about to pay those debts.
Only true if you inherit your mother's estate.
If she has more debt than equity, you have no legal obligation for her bills, but you can't take the equity and stiff her creditors.
A collection company was calling my home again and again asking for a particular person when I first got assigned the phone number. I finally told them the police were looking for the same guy, that he was scamming cred card companies, and I believe he went to the west coast. Never heard from them again.
They pressure people in hopes that they'll settle even if they don't have to. They'll even offer a lower settlement to entice the people to pay. If the people fight it then all the collector lost was the cost of some stamps and phone calls.
The same way they end up calling me to collect on debts owed by deadbeats that have the same name as I do. Public records. It’s a disgrace what they’re allowed to do. I’ve had my wages garnished by California (I don’t live there mind you - it was just my name), had collections attempted by movers in Florida (never lived there) and a landlord in Oklahoma (never lived there either).
Not a week goes by that I don’t get at least one call from some collection agency.
Now they’re getting clever with recordings that tell you that by listening to the message you’re attesting to be the person they’re looking for. Debt collectors can go to hell.
Unless you co-signed on the debt, you don’t owe your mother’s debts. If she left an estate, that estate must pay off any debts, but not you as an individual. The State of North Carolina tried this with me and my stepfather. They lost.
The softball manufacturers would have more money, go after them.
Hmmm sounds like you are a victim of ID theft.
If he was still living with his parents....it seems even more likely they co signed for something.
Thats how I see it.
Thats a good point.
Just as you related: We’ve gotten messages (repeatedly) at home for a “Patricia J. Simpson” that recite, “By continuing to listen to this message, you acknowledge you are Patricia J. Simpson.”
What child comes up with these rules? It’s like a 7-year-old saying, at the outset of a softball game, “I get to pitch; I CALLED it.”
So you see? I’m Patricia J. Simpson, because they CALLED it.
“If someone owes money and there is no cosigner then when he dies the creditor is out of luck!”
Unpaid debt is collectable from a deceased person’s estate.
No. Its just the name, I can guarantee you that. They always have either have my middle name incorrect, or have my Social incorrect. Collectors (and governments) just like to Easter egg.
Hmmmm. Having done a bit of collection work back in the late 80’s and early 90’s...seems odd to me, but you would know better about your situation than I would.
In this case according to the parents he has none!
I've had them call the woman who was my younger son's first wife trying to get her to pay something they thought I owed. They have been divorced for 15 years. She was on her fourth marriage. She was living in a completely different county. She's had at least half-a-dozen addresses since they were divorced. Still they called her and got really abusive, threatening all sorts of bad things.
For the most part they buy the account for a reduced amount and anything over that they can collect is theirs. The person calling is on a form of commission. It's a nasty world.
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