It's very simple: Someone contacts you - often by phone, but also by text message, fax, mail or email - and claims that you owe a debt. The debt may be completely fake, canceled, discharged, forgiven or beyond the period for collection. One of the surest ways to avoid a debt collection scam is to know all of your real or valid debt. If someone contacts you about a debt you owe, you can quickly identify whether it's real or fake. Real debt collectors already know much of your information - e.g., how much you owe, your address, social security number, birthday, etc. But debt collection scammers probably don't have all of your info already, so they'll ask for it. If they don't seem to know enough about you, there's a good chance they're a scammer. Company address Company phone number Company email Request all of these details. Write them down. Send the agency a letter by mail asking them to confirm their debt in writing. Search for the company name on the internet, review their website, call their number, etc. Do your homework. They Ask You to Pay by Untraceable Methods
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