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seybold2015

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Is this legal? Using American Name?
Hello
We recently attempted to settle a debt but had some concern in moving forward after our first encounter. We were connected to a man who clearly had an Indian accent but claimed to be "Johnny..." and American sounding name. We asked him again what his name was and he said it again. We then asked what is "REAL NAME" was and he said it was Indian, he was from India and proceeded to spell out his Indian name. We were a bit taken by this as we were obviously lied to from the start. So we did not continue our conversation. This is from a legitimate collection agency as well. So from the start we were lied to obviously. Luckily we recorded the conversation legally. What do you think? Should I report the company? Negotiate with them any further?

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Do some reading on the FDCPA (fair debt collection practices act) and contact an attorney that handles FDCPA cases if you feel it is warranted.

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First thing is to NEVER attempt to settle a debt over the phone.  The 'phone drones' you would be talking to do not have the authority to do negotiations and are usually using a script when talking to you.  Do all negotiations in writing and keep copies of all communications until after the matter is totally settled.  It is not uncommon for companies to out-source their call centers and have their people use American names.  Please re-read the articles here about negotiating a 'pay for delete' arrangement so you can understand the full process.

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seybold2015

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Thank you for your reply. In reviewing our audio and finding more information about this particular credit company, I'm going to let an attorney handle this as I believe there are at least do violations.

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