Finding out you owe a debt you didn’t know about can be unpleasant, as the first time you learn about it may be through a debt collector. However, if you don’t recall the debt in question, it’s essential to take the necessary steps to verify the validity of the funds in question. If you are not careful, you could be a victim of one of the hundreds of debt collection scams that impact consumers each year. If you’re unsure what to consider, the following blog can help you stay alert to scams and learn what to do if you believe you’re a victim. Additionally, you’ll discover how a Los Angeles, California debt defense lawyer can help you if you’re impacted by debt collectors.
What Are Debt Collection Scams?
Debt collection scams occur when someone claims you owe them a debt. However, this could be a debt you paid off, canceled, or one that’s not even attributed to you. This is just an attempt to scam you out of your hard-earned funds. Generally, these individuals will contact you commonly over the phone but may also text or email you. Additionally, you may also receive a letter in the mail informing you of a debt you owe.
What Are the Most Tactics Used?
Understanding the most common scams can help you avoid relinquishing your hard-earned funds to someone looking to steal from you.
Generally, you may find that one of the most common signs of a debt collection scam is that the collector asks for information they should already have. This includes your full name, date of birth, social security number, etc. If the call is legitimate, they would already have this information in their system.
Additionally, if you ask for information about the collector and their agency, they may refuse to answer the questions. If you do get information, be sure to write the details down to do your research. Additionally, you can send a letter via certified mail to confirm the debt. However, if they refuse to answer questions, you are likely the victim of a scam.
You may also find that if a collector asks you to pay immediately, threatens you with jail time, or asks you to pay through suspicious and untraceable methods, you are likely experiencing a scam.
What Should I Do if I Think I’ve Been Scammed?
Before you pay any debt collectors, taking the necessary steps to validate the debt and whether or not you owe any money is critical to protecting yourself.
However, if you believe you were scammed, you’ll want to place a fraud alert on your credit report by contacting one of the three major bureaus. This informs them that you are a scam victim and can prevent further theft. Additionally, you should report the fake collector to the Federal Trade Commission (FTC).
Finally, you should connect with an experienced attorney from Los Angeles Legal Solutions. Our dedicated team understands the complexities of this matter, so we will do everything possible to assist you through these matters. Reach out today to learn how we can fight for you.
