I just got a call myself.  The person on the other end is using old credit history information to try and scare you into paying him, not the credit card companies or whoever.  I read an article recently about new collection agencies popping up trying to intimidate people by bringing up old unsettled debts that in most cases have already been charged off by the creditors.  They can get old credit card histories through public records, which in some cases have been settled or charged off but they use language about 'judgements' and 'civil court' but the [***] wouldn't say what court, when, at what time, etc so that was my first red flag.


If you press the person for more details, they say they just work here and we're a third party, we don't know all the details about your case, etc.

They also try and trick you with the 'I've verified your identity' but they don't say they are recording the conversation so it's totally not valid in court.

So it's [***].  If anyone was going to come after you for money you owed, you would get something in writing.