Spam Laws HOME

Believe it or not, there are scammers who pose as debt collectors and go after consumers. The scammer will contact the victim by email, phone, or mail, claiming the person owes a back debt. The scammer will use threats to force the victim to pay them money. The threats will be statements to the affect that if the victim does not pay the amount, the overdue bill will be reported to credit bureaus, the scammer will take legal action, or the person's bank account will be attacked. [br][br]Real deadbeats won't be attacked because the scammer knows the deadbeat won't pay the bill no matter what, so the scammer goes for the upright citizens. They will use language in such a matter to convince the victim that perhaps the victim missed paying a bill. [br][br]The bill may be small so the victim just pays the bill. This is the bad idea, considering the victim is only paying the scammer and no debt. The best way to avoid such a situation is to question the creditor about the debt. Find out if there is an account in your name. If there is, you may be the victim of identity theft. If you find that there is no such account, call your local police department to file an incident report. Even if the scammer repeats your social security number, address, and other information, don't be fooled. The debt collector could still be a scammer. [br]

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