The Federal Trade Commission (FTC), the nation's consumer protection agency, is warning consumers to be on the alert for scam artists posing as debt collectors. It may be hard to tell the difference between a legitimate debt collector and a fake one. Sometimes a fake collector may even have some of your personal information, like a bank account number. A caller may be a fake debt collector if he:
is seeking payment on a debt for a loan you do not recognize;
refuses to give you a mailing address or phone number;
asks you for personal financial or sensitive information; or
exerts high pressure to try to scare you into paying, such as threatening to have you arrested or to report you to a law enforcement agency.
If you think that a caller may be a fake debt collector:
Ask the caller for his name, company, street address, and telephone number. Tell the caller that you refuse to discuss any debt until you get a written "validation notice." The notice must include the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act.
If a caller refuses to give you all of this information, do not pay! Paying a fake debt collector will not always make them go away. They may make up another debt to try to get more money from you.
Stop speaking with the caller. If you have the caller's address, send a letter demanding that the caller stop contacting you, and keep a copy for your files. By law, real debt collectors must stop calling you if you ask them to in writing.
Do not give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know whom you're dealing with. Scam artists, like fake debt collectors, can use your information to commit identity theft – charging your existing credit cards, opening new credit card, checking, or savings accounts, writing fraudulent checks, or taking out loans in your name.
Contact your creditor. If the debt is legitimate – but you think the collector may not be – contact your creditor about the calls. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt.
Report the call. Contact the FTC and your state Attorney General's office with information about suspicious callers. Many states have their own debt collection laws in addition to the federal FDCPA. Your Attorney General's office can help you determine your rights under your state's law.>
Well I should of read theses post before. I have been having so much money coming out of my bank acct for the last month in a half. I thought it was a bill I owed. She will tell you that they will be turning it over to the courts if you dont'pay this.. Her name is Morgan Taylor and her number is 404-665-3172.. I stopped the payments last week and now Im glad I did.. She is a scam big time and I truly hope they catch her..
I recieved a message on my voicemail today. She stated that her name is Morgan Taylor and that my social security number has been red flagged and ended up in her office.. I did not return the call. I figure if it is truly an important message I will recieve a letter of some sort in the mail. I want to know how these people get cell phone numbers anyways. I always use my home number for any financial transactions and she has never called that number.
Received call from Morgan Taylor who said she was with Delanore, Kemper & Associates. She was trying to reach my son about his SS# being red flagged? I asked her what that meant and she said they wanted to see if someone else was using that SS# or if my son was. She gave me this number and asked me to have my son call her. I immediately put the number in the computer to try and find out if this was legit or a scam. What's bad is this is the second type call I have received this week, the other was for an ex daughter in law, claiming she had broken the law but it was from a Victor Gage who claimed to be Chief Investigator of Credit Recovery. When I checked this number out it was attached to a Devon Rookard and an google search showed an apartment building with a pool and tennis court. I reported it to the FTC and will report this one too. You can't be too careful in this day and age. I don't care if they are a legit bill collector if they are going to lie then they need to be stopped.
Well I got the same voice mail and she is calling my place of work. This Mogan Taylor is a scam artist. I have kind of dealt with this type of thing in the past. Others trying to do the same thing. I would call my attorney generals office or the (FTC). Because they get some of your info off the web if you do any kind of business over it. Thanks for listening lj.
Just received a call from Morgan Teller. She left a messages stating that my social security number landed across her desk, and I needed to contact her regarding it.
I'm so glad I decided to search the number and found this site. I would have returned the call and given her who knows what kind of information. The only thing I would like to know is, how and the hell did she get my unpublished number, because the phone is not even my name and who did she know my name? Is this a result of computers being stolen from a check cashing place about a year ago? I don't know how she could have called me on my roommates telly number...hmmmm!!!!