How to Spot Debt Collection Scams
Fake debt collectors prey on fear and urgency. Knowing the common tactics helps you tell a scam from a legitimate — if unwelcome — collection attempt.
Common Scam Tactics
Threatening immediate arrest or legal action that isn't legally accurate
Demanding payment via gift cards, wire transfer, or cryptocurrency
Refusing to provide written validation of the debt
Pressuring for an immediate decision without time to verify anything
How to Verify a Collector Is Legitimate
- Ask for the collector's name, company, address, and callback number in writing
- Request written validation of the debt before discussing payment
- Check the company name against your original creditor's records if possible
How to Report a Scam
File a complaint with the Federal Trade Commission (FTC)
File a complaint with the Consumer Financial Protection Bureau (CFPB)
Contact your state attorney general's office