How to Stop Scam Debt Collectors & Protect Yourself

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.

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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.

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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?

What should I do if i am receiving calls from what i know that is most certainly a scam collection agency?