This smacks of fraud. A call to the Michigan AG or a visit to its site might prove useful.
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You very well may have a consumer case. Contact a local consumer protection attorney and keep all your records including proof of calls
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No, it is not legal. Interesting that the debt collector is set up to show your wife's cell as the caller ID -- I'd bet from that fact that they are doing this to a lot of people and I would love to talk to you about your rights and remedies. You might even have rights against the technology company providing this ability to the debt collector.
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The technology used is called "spoofing." The debt collector pulses out a false ANI (caller ID) in order to get you to pick up the phone. Courts have ruled that the ANI is a communication and that by misstating their actual return number, the debt collector makes a materially false representation for purposes of the Fair Debt Collection Practices Act. This is actionable and would entitle you to statutory damages of up to $1,000 plus any actual damages. The other side would also have to pay your attorney fees if you win.
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