We’ve done the whole mistaken identity debt collection rant here plenty of times, but a judge in New York delivered a blow for the good guys this week.
Mark Hoyte was contacted by a law firm representing a debt-collection agency. He had the same name as the person they were looking for, but had a different SSN, a different age, and have never had the type of credit card (Sears-Citi card) that the debt was for.
Despite him telling all of this to the law firm’s rep over the firm, they summonsed him to court anyway. At the courthouse, the collections lawyer finally conceded he had the wrong person, and agreed to a stipulation that this was the case.
But when they took this agreement to the judge, the judge didn’t just let it slide:
Many of these debt collection law firms act like assholes, and this sort of thing needs to happen to them more often when they fail to do the necessary legwork and go after the wrong people.