Scammers are impersonating debt collectors, harassing victims via calls, texts, and letters, often threatening legal action for debts that don’t exist. Reports show scammers using personal information like Social Security numbers to appear legitimate.
How It Works:
Scammers pose as law firms, loan companies, or government agencies.
They falsely claim overdue payments and threaten lawsuits, wage garnishment, or arrest.
Some take a “good cop” approach, pretending to help by offering a payment plan.
How to Protect Yourself:
Request a written validation notice of the debt.
Verify the collector’s identity by contacting the creditor directly.
Never provide payment or personal details over the phone.
Check your credit report and place a fraud alert if needed.
Report scams to BBB Scam Tracker at BBB.org/ScamTracker.
Legitimate debt collectors follow strict legal guidelines, so stay cautious and verify claims before taking action.
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