Credit card collections. How do they keep finding me?

I am up to my nose in credit card debt. So i decided im not going to pay and just move on with my life. Worked fine so far but I moved several times and never filed a change of address and change my cell number regularly. How do the collection agencies keep finding me. I even had my cell phone opened under my girlfriends name so that it wouldnt be under mine. but without fail after 3 to 4 months they find me again and start sending letters and calling. I have no intentions of ever repaying as they enticed me to use the credit. They can get judgements if they want... I%26#039;ll just quit my job and put my car in my Girlfriends name so that they cant touch anything of mine. I have every intention of avoiding this and hiding from them forever. How do they keep finding me.

Credit card collections. How do they keep finding me?

I do not endorse folks who have the means of paying there obligations at all but i have to give you some advise pretending i did not see the 200k in the safe part. And if your are in debt with the IRS they will see the cash out of the 401k and wonder where that money is, then you will be crying. As far as consumer debt collectors yes you will find a lawsuit, well you answered the question with that. You have 200k in the safe it would be impossible for them to touch that. Other assets they can tackle......so get that in your GF name. Y in the heck don%26#039;t you look at bankruptcy? then just move on... and end all of this. You do have rights by sending them at stop contact letter i provided a sample below. By law this orders them to stop contact with you. If they contact you after they recived this letter you can sue them, could be a extra 1k to your safe:) Must send this certifed. The collector will eather sue you or just sell it to another debt collector %26quot;most likely the case%26quot; then you will have to send this letter again. This is where you are getting the 3 to 4 month thing.

Good luck

Your name

Your street address

Your city

Date

RE: Account no.

Dear Sir/Madam,

This is to request you to CEASE and DESIST from your efforts of collecting debt payments on the above referred account.

You are hereby instructed in accordance with the federal and state laws, to stop all collection efforts immediately or face legal sanctions.

PAY DUE ATTENTION TO THIS LETTER..

Cordially,

Your Signature

Your Name

Credit card collections. How do they keep finding me?

A Cease Communications letter is meaningless if you%26#039;re dealing with a large amount of debt that is within the statue of limitations for your state...If anything...it can make things worse if these factors apply. You%26#039;re basically provoking the creditors to take more aggressive action. Report It

Credit card collections. How do they keep finding me?

I agree with Slimick sending a full C%26amp;D while still in SOL is a very bad move %26amp; they will more than likely file suit after receiving it

Sending a C%26amp;D when out of SOL could also be a bad move %26quot;unless%26quot; it is a %26quot;SOL letter%26quot; that also contains the full C%26amp;D Report It

Credit card collections. How do they keep finding me?

well like you said. you have a job. and you have a car. registration...

Credit card collections. How do they keep finding me?

They use your serial number. when you get a job it goes into a list sent out worldwide. when you get a drivers licence it is also posted. when you get anything that uses it ,it is posted . so about 3-6 months is about all you will get.

The skype tracing uses your serial numbers along with any other info that can be found.

Credit card collections. How do they keep finding me?

Wow, you%26#039;re sort of scummy.

They are probably finding you through your credit report or some place like that. ie, if you apply for anything that requires your ss the address and number you use could be updated on your credit report.

How do people like you survive? Only a really trashy person refuses to pay for things because some company %26quot;enticed%26quot; them to use money they didn%26#039;t have at the time.

Credit card collections. How do they keep finding me?

It%26#039;s called skip tracing....Obviously you have a lot of debt. Bill collectors get paid on commission so there%26#039;s an incentive to find you if you owe a lot of money. Bill collectors often pose as relatives/friend and call your initial references....They have the Lexis-Nexis database...Zabasearch and the various search tools online....

I%26#039;d encourage you to pay your debts...but...if you plan to hide...Go with prepaid cellular so that they can%26#039;t trace you that way...the rates have come down a lot....

Credit card collections. How do they keep finding me?

First, by not paying debt, you get more debt.

They can%26#039;t force you to have the card.

They keep finding you because you leave traces behind. You can%26#039;t hide from them. They can bring legal action against you too.

Credit card collections. How do they keep finding me?

For something this big, you%26#039;re really going to have to go %26quot;off the grid%26quot; for awhile, and I%26#039;m talking little shack up in the mountains living off the land type of off the grid.

When you get right down to it, these people are talented at what they do, and since they probably know who your girlfriend is, they will likely just assume you are with her.

Credit card collections. How do they keep finding me?

File bankruptcy and get it over with you have nothing to lose and everything to gain.

Credit card collections. How do they keep finding me?

The reason that you are up to your nose in credit card debt, because a credit card is borrowed money that you have to pay back based on your promise to pay and based on your credit worthiness. I know from experience that your credit history is permanent and will never go away- basically every time that you open a credit card, car loan, cell phone, you are required to submit personal information to these creditors revealing your credit report-or social security number which is basically your true identity just like your drivers license. This social security number, mother%26#039;s maiden name, and birth date will haunt you and follow you forever, unless you clean up your credit history. Somebody should have told you that no one can avoid dodging credit collections, because you are not screwing their credit, you are only screwing yourself. If you continue to dodge, lie and avoiding all your creditors, you will never be able to purchase a vehicle from an established car dealership, purchase a home based upon your credit worthiness, or qualify for a job. Jobs are checking applicants credit history as well as character, just a word from the wise.

Credit card collections. How do they keep finding me?

Go bankrupt and move on. Obviously, hiding will get really old, really fast. Contact a lawyer to get it started. Then at least you can start rebuilding your life WITHOUT hiding.