Walmart Discover Card These people don't know when to stop Nationwide

Hi Bob,

I'm sorry to see what happened to you. Here are a couple of suggestions, hope this helps.

When the debt collector calls, tell them to stop calling you and that you'd prefer to communicate in writing. Debt collectors don't like that, but they have to follow federal law. They will still be able to send you collection letters, but the phone calls should stop.

You should also send them a cease and desist letter. Use certified mail and get a return receipt. If they call you after receiving the letter, you can take legal action against them. Here's a suggestion of how to phrase your letter:

>>Date

Your Name
Address
City, State Zip

Debt Collector's Name
Address
City, State Zip

Re: Account Number

Dear Debt Collector:

Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts you claim I owe.

You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the [your state here] Attorney General's office. Civil and criminal claims will be pursued.
Sincerely,

Your Name<<

Lastly, it seems that you are a victim of identity theft. Contact the fraud departments at all three credit reporting agencies (Experian will try to sell you services, don't buy them). Get a copy of your credit report and see if there are any other credit lines that were opened in your name. File a fraud affidavit with those creditors and get in touch with law enforcement.

Best of luck to you.