Last night, DATELINE's whole show was about our country's high consumer debt and the tactics some debt collectors use to coerce debtors into paying up. It reminded me that debt collectors can latch onto innocent people, too. Had I known then that I could've complained to the Federal Trade Commission, I would have done it in a heartbeat.
A few years ago, our next door neighbors ran into financial trouble. First, the husband lost his job. Next, the wife had some health difficulties and ended up having to carrying around a portable oxygen tank. Because of her health problems, she had to quit her job as well.
We started getting phone calls from St. Louis on Sunday afternoons, asking if we knew Mr. X. The caller would never acknowledge his reason for calling. After the third call, Dwayne actually yelled into the phone to tell them to stop calling. (If you know my husband, you know he had to have been furious, because he is a calm guy.) Then a woman started calling on weekdays when I was home alone to ask if I could deliver a message to my neighbors, or if I could look out my window to see if their car was in the driveway. I received about a dozen phone calls, and I kept saying I didn't want to get involved. On a Sunday morning, a tow truck driver knocked on my door to ask if I had seen the neighbors. He said he even checked their mailbox.
The most disturbing occurrence was when two apparent investigators showed up in the neighborhood in an unmarked car. I had seen them next door, questioning my (debtor) neighbor who came right over to my house after they left. Neighbor guy said the men showed him a picture of a girl missing from our neighborhood. It had scared him that our neighborhood might not be safe.
Later that afternoon the investigators came to my backyard where Ethan and I were playing. "Have you seen this woman?" they asked as they flashed their sheriff's badges. The picture they showed was the lady next door!!! My heart dropped; I was afraid she had been killed by her husband. They said they were from the sheriff's office, showed their badges, and asked if we could talk.
As we rounded the front of the house, they explained that my neighbor, Mrs. X, was not missing, but that they were concerned for her welfare and safety. They asked if I thought she really needed the oxygen tank, and if I thought she suffered from paranoia.
After they left, I started to question the men's story. I called the sheriff's office, and the dispatcher said no one from their office was out in my area that day. (Imagine my shock!) The dispatcher took my number and said she would look into it. She called back to say the two men had checked in with the sheriff's office to get permission to come here but she wouldn't tell me who they were or where they were from. My best guess is that they were health or medicaid insurance investigators.
A few months later, I saw a marked sheriff's car pull into their driveway. A deputy handed them a letter. Sure enough, within a month, they moved out. And the debt collection phone calls stopped.
I still can't believe we experienced all that. My hope is that you—and your neighbors—take care of your personal finances. Even though we did, we still suffered the consequences because of our neighbors debts.
Now, I'm wondering if it's too late to lodge a complaint. None of the callers would tell us what collection agency they represented. I'm sure others have gone through this, too. I pray it wasn't you.