If you’re receiving calls from a scam collection agency, here’s what you should do:
1. Do Not Engage
- Do not provide personal information (SSN, bank details, address, etc.).
- Do not confirm any debts—scammers often use this to pressure you into paying.
- Avoid arguing—scammers thrive on emotional reactions.
2. Verify the Caller
- Ask for:
- The caller’s name
- The company name they are calling from
- Their address and phone number
- Their professional license number
- Look up the company online—if they refuse to provide information, it’s a red flag.
3. Demand Written Validation
- Legitimate debt collectors must provide a written debt validation notice within five days of initial contact.
- If they can’t, they’re likely scammers.
4. Keep Records
- Document call details—date, time, number, and what was said.
- Save voicemails and any letters they send.
5. Block the Number
- Use your phone’s built-in blocking features or a call-blocking app.
6. Report the Scam
- Federal Trade Commission (FTC) – reportfraud.ftc.gov
- Your state Attorney General’s office – They may investigate fraudulent collection agencies.
7. Check Your Credit Report
- Make sure no fraudulent debts are listed.
- You can get a free report from AnnualCreditReport.com.
8. Consider Legal Action
Since your firm specializes in FDCPA violations, if the scammer is posing as a legitimate collector, you may be able to take legal action. You can consult The Consumer Rights Law Firm PLLC to see if you have a case.
Would you like help drafting a cease-and-desist letter or filing a complaint?
- Address: 133 Main Street,Second Floor,North Andover,MA 01845