The proof of a scam is in your post. They claim they're monitoring your accounts, but don't know if you're over $10,000 in debt. Beware, people. Some collection agencies break the law with threats. That's illegal, but scammers don't care. They hope you've got more than $10,000 in debt and have been threatened so you'll give up the personal info, only to put you further in debt. DON'T FALL FOR IT!