How To Spot A Debt Collection Scam вђ Consumerfinance Gov Youtube A legitimate debt collector can tell you their company name and mailing address, as well as information about the debt they say you owe. the debt collector should provide information about themselves and their collection agency. this can be a helpful way to know more about the debt, as well as tell whether or not it’s a scam. to verify a debt. 1. find out who’s calling. get the name of the collector, the collection company, its address, and phone number. 2. get “validation” information about the debt. within 5 days of first contacting you, debt collectors must “validate” or tell you the amount of the debt, the name of the current creditor, and how to get the name of the.
Identifying Scam Collection Calls вђ Mdrf When speaking to anyone claiming to be a debt collector, always ask for the company name, address and phone number. if you can’t verify a legitimate business, it’s almost definitely a scam. 4. Debt collector red flag #3: the caller asks for immediate payment by money transfer or prepaid card. debt collector red flag #4: the caller threatens to reveal your debt to others. debt collector red flag #5: you get the call before or after business hours or get repeated calls. debt collector red flag #6: the caller asks for personal. Under federal law, a debt collector can't contact you at any "unusual time" or at a time that it knows, or should know, is inconvenient for you. unless you tell the collector otherwise, the fdcpa says that a collector can't call before 8:00 a.m. or after 9:00 p.m. while a legitimate debt collector might break the law, constant calls that are. Say you don’t owe some or all of the money, and ask for verification of the debt. make sure to send the dispute letter within 30 days. once the collection company gets the letter, it must stop trying to collect the debt until it sends you written verification of the debt, like a copy of the original bill for the amount you owe.
Comments are closed.