There are plenty of real debt collection agencies operating legally in the US, and one may call you. Here's how to tell real from fake:
1. Fake callers use a robo-message to threaten you with arrest/jail, real debt collectors will only leave a message that they are calling about collecting a debt but will usually have a live person manning the phone until they get pushed to voicemail.
2. Fake callers do not identify the name of their collection agency - real debt collectors display a number, company name on caller ID and leave their name in voicemail.
3. Fake callers do not identify the source of your debt - real debt collectors are required by law to provide this information in writing upon request. (Confirmation of debt.)
4. Fake callers may not address you by name or know who you are. (This isn't always true - some may have your name before calling.)
Reply!
There are plenty of real debt collection agencies operating legally in the US, and one may call you. Here's how to tell real from fake:
1. Fake callers use a robo-message to threaten you with arrest/jail, real debt collectors will only leave a message that they are calling about collecting a debt but will usually have a live person manning the phone until they get pushed to voicemail.
2. Fake callers do not identify the name of their collection agency - real debt collectors display a number, company name on caller ID and leave their name in voicemail.
3. Fake callers do not identify the source of your debt - real debt collectors are required by law to provide this information in writing upon request. (Confirmation of debt.)
4. Fake callers may not address you by name or know who you are. (This isn't always true - some may have your name before calling.)
Reply!