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Skip tracing...they look at past addresses and do cross checks for phone numbers, I used to do that for a rental company years ago. I am having this same problem with a medical creditor of my 28 y/o daughter's for a bill that is less than 90 days old. They have her current address and phone number and she has spoken to them recently, but they are still calling my house, even though our number is unlisted with a letter on file with the phone company not to give it to anyone unless it is official business, so I am not sure how they got it...and sending letters here.

They also contacted her ex-boyfriend's mother's home, who she hasn't seen in 7 years and have been harassing them and telling them lies about how they got their phone number and address, they said my daughter claimed to live there when the bill was incurred. Unfortunately, their number is listed, the creditor must have pulled the prior address from her credit report. My daughter just hired a lawyer to countersue them for harassment.

These people are ruthless. I had a creditor come to my work one time years ago after I had just filed bankruptcy after bad divorce...100% payout, I pay my bills, just needed a reduced payment plan....and shove me in front of several employees. I filed assault charges and they were forced to eat the debt.