A debt collection scam, or a phantom debt scheme is when a scammer poses as a debt collector to get money from people. If you're told you owe a debt and you don't think it's yours or you think it's a scam, you have the right to dispute it. the debtor pays the debt for the company's efforts in getting the debt. Learn more about dealing with debt collection at ftc. An alternative name for debt collection software is payment collection software. m. The majority of our clients are dealing with credit cards, we can also include personal loans, collection agencies, pay day loans, medical or veterinary bills, and many more in your debt consolidation plan. The law allows consumers who have been victims of harassment from debt collectors to get the calls to stop in addition to recovering statutory damages set at $1,000, in addition to attorney fees and court costs. Address: 4200 Cantera Dr. FU DMA Journal of Sciences (FJS) Vol. Signs of a Reputable Credit Repair or Credit Counseling Company. These changes took effect November 30th, 2021. Received a call from FJS Global regarding a summons to be issued on Friday for a credit card debt charged - Answered by a verified Consumer Protection Lawyer. Thank you for sharing your phone scam experience. Respond to each complaint in separate paragraphs. Debt Collector Red Flag #3: The Caller Asks for Immediate Payment by Money Transfer or Prepaid Card. Watch this video to learn the warning signs of debt collection scams. Block or ignore repeated calls. These companies may even ask for your credit card. The phantom debt collection scam comes in a number of variations, but the common element in almost all of them is a claim that a consumer owes money on a debt and needs to pay or else face serious consequences. The consumer called our. We put to work 53 powerful factors to expose high-risk activity and see if fjsglobal. and the 11th largest issuer of MasterCard and Visa cards. Since 1978, this legislation has set forth the rules and restrictions that all debt collection firms must follow. Text messages, along with emailing and direct messages on social media, are allowed as part of an update to the Fair Debt Collection Practices Act (FDCPA). , Ste 6, Greenville, South Carolina 29615-5720. It is a computerized tracking and follow-up tool with. The phone number for Global Debt Solutions is 1-561-483-5588. The Better Business Bureau and most state attorneys general report that consumer fraud, which includes debt collection and other types of scams, consistently ranks among the top 10 complaints. The debt collector is not your enemy, and there’s no need to get angry or confrontational. Radius Global Solutions cannot call or pester you outside of the allotted federal guidelines. A debt collection company is trying to collect 2 hospital bills from 2009 totaling almost $700. Fill out the form here, or call us at +1-844-685-8700. e. Therefore, it can be noted that this collections company is a legitimate business. Fill out the form on their website or give them a call at (855) 281-1510. The phone scam from the person who called you was most certainly after your personal information which would be very damaging to say the least. FJS Global works hard to make resolving your past-due debt as easy as possible. We're hearing about an increasing number of complaints about high-pressure phone calls from debt collectors. If you fail to appear in court, the judge will probably rule you in default of the outstanding credit card or personal loan. Radius Global Solutions, LLC is a collection agency located in Edina, MN. Make sure to send the dispute letter within 30 days. 59. Negotiate a settlement. When Radius Global Solutions buys one of your debts from the original creditor, you'll know promptly. Below is an example of one customer’s negative experience with Global Holdings debt settlement services: “I started with Global Holdings to help reduce my debt and get them paid. Identity theft occurs when someone steals your personal information to commit fraud. Telephone: 877-374-0943 or 713-776-6623. non-medical collections. The agency bought Leading Edge Recovery Solutions, LLC, which is in the debt recovery. If you have bills that are past due, you might be contacted by a debt collector. Once the collection company gets the letter, it must stop trying to collect the debt until it sends you written verification of the debt, like a copy of the original bill for the amount you owe. You don’t recognize the debt that the person claims you owe money for. Often, the scam begins when a consumer inquires about a payday loan or other short-term credit online or over the. JJohnson said: No they said they were going to send out a payment plan to pay the debt off, what the sent was a covering letter with attachment of earnings and outgoings on the back off it. Global Business and Financial News, Stock Quotes, and Market Data and. Global Holdings is a financial technology company that has been providing payment processing and account management services to the debt settlement industry for nearly 20 years. com for a few different reasons. 4. The Federal Trade Commission previously filed civil charges against the man, Kirit Patel, and two companies he controlled, Broadway Global Master Inc. Many debt collectors, like MRS BPO, purchase old debts from creditors and banks for pennies on the dollar. And to see a list of other type of top 10 scams, such as by category, or targeting specific groups, see this page. 471. HOW THE SCAMS PLAY OUT. Radius Global Solutions, LLC is an account recovery and debt collection company in the United States. Email: marketing. 8 (20) Quipu is the all-in-one solution that allows to control invoicing, treasury, taxes and clients in one place, in a simple and intuitive way. C-Date review: Debt collection!!! Scam 25. They can contact you by phone, email, or text, just like a real debt collector would for a past-due payment. Radius Global Solutions, LLC is an account recovery and debt collection company in the United States. The Fair Debt Collection Practices Act was established to protect people, like you, from debt collection agencies that harass and mistreat consumers. Doing Business As: Global Trust Management LLC. In a debt-collection scam, a scammer posing as a debt collector will call a victim to demand payment for an outstanding debt. Debt collectors are only allowed to contact you between the hours of 8 a. The following are the essential steps to get Radius Global Solutions off your credit report for good: Ask for a goodwill deletion. Make payment to remove an entry. Fax: (425) 609-2103. This review ensures our compliance with the highest of professional standards and our commitment to maintaining the highest continuing professional education standards as required by federal and state agencies. or AffGlo is a legitimate third-party debt collection agency founded in 1999 and headquartered in Ontario, Canada. 1. Third-party debt collectors like Global Processing Services debt collection agency come into the picture when a debt is left unpaid for up to 100 days or more, depending on your original creditor. was founded and incorporated in 1997. Respond to a debt lawsuit against Aldous and Associates. Last time anything was paid on the debt was 2/7 2009. Additional charges. Debt collection scams; Unscrupulous debt collectors often purchase old, discharged debt for pennies on the dollar. This agency is licensed by the North Carolina Department of Insurance; Company Numbers: 119507276, 119507270, 119507273, 119507512, 119507274, 119507272, 119507271, 119506877, 119506879. Didn't sign up for more than Month but now CMS global collection services demanding €188. Let them serve you papers (they won't). These include: iq data international. , CST and up until 9:00 p. 1. 215-320-5761, 800-220-2018, (215) 320-5761, (800) 220-2018, 2153205761, 8002202018. This review ensures our compliance with the highest of professional standards and our commitment to maintaining the highest continuing professional education standards as required by federal and state agencies. Failing to send debt validation paperwork. If Aldous and Associates has sued you for debt, the first step to beating them in court is to respond to the Summons and Complaint. Scammers speak your language. Medical collections vs. According to the BBB, Capital Recovery Systems, Inc. If the court Summons is real, then it will have had to be processed through the court. Debt collection scam 8778047357 These scammers got scammed, themselves, because they bought a fifteen year old mailing list. This is to confirm receipt of your email. Complaints are fairly evenly split between problems with billing and collections and problems with advertising and sales. Follow the instructions to validate the debt, as mentioned earlier. FRS may use the alternate business name, Financial Recovery Services of Minnesota, Inc. Hospital says they turned it over to the first collection company (2nd collection co is who called me to. gov/debt. I would suggest that you send another short letter to the collection agent in which you simply state that you as you have previously advised them, you dispute the debt and that it is fraudulent and not your responsibility and that the credit collection agency has failed and refused to comply with the legal requirement to provide you with all of the documentation. You're probably being scammed. m. "Collectors are required by Fair Debt Collection Practices Act to send you a written debt validation notice with information about the debt they’re trying to collect. If it is fake, then there is no chance that there is a copy in the courts. You can read more about Global Credit and Collections Corp on their Better Business Bureau page. Warrenville, IL 60555-3039. If you send a message outside these hours a financial counsellor will get back to you. Consumer Finance Protection Bureau. And we’re not talking about $50 or $100. If the debt collectors are threatening to sue or. They have been in business since 1982. Start by writing Allied Interstate a letter asking for debt validation. Respond to each allegation in the Complaint. 1994 and subsequently completed a global initial public offering in October of the same year with the issuance of 1,250,000,000 foreign shares. Let’s say you get an email about a charge to your credit card for something you aren’t expecting or don’t want. To get your free credit reports, go to AnnualCreditReport. A recent change in rules by the US Consumer Financial Protection Bureau (CFPB) allows debt collectors to contact you by direct message on social networks, email, or text. FJM Collections has been in operation since 1990 and has received an “A+” rating from the Better Business Bureau. Quipu. 5 Signs of a Scam. Here’s a list: C. The scammer will usually be pretending to be a large company with a lot of customers (such as Verizon) to increase their chance of getting a hit, or pretending to be with an existing collections agency as cover. The law places restrictions on where and when a person can receive collection calls, as well as prohibits unlawful and abusive practices, as: Credence Debt Collection ScamIt can take action against a company if it thinks a debt collector has violated federal law — especially if it’s a scam. They became accredited by the Better Business Bureau in 1995 and hold a BBB rating of A+. The U. My total debt to be paid was $8,511. Fill out the form on their website or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you. comThe Scams, Schemes & Swindles page serves as a central location for scam information with links to fraud and scam webpages of other State of Tennessee departments and agencies. They may not reveal details about the debt or the creditor but will demand immediate payment of the debt. This trust score are given to websites with a. LANSING – Michigan Attorney General Dana Nessel is alerting Michigan residents about fraudulent letters directed to workers and businesses. Click “View case” for information about the lawsuit that resulted in the ban, including press releases and links to the legal complaints. Here are a few that you should see: The company tells you what your rights are. Some fraudsters will represent themselves as a debt collector or court official and propose that you pay debt you don't actually owe to avoid “trouble”. I have no recollection of this debt which is the reason I disputed it. The FTC’s complaint says that GAFS employees claimed to be lawyers or affiliated with law firms. The debt validation letter includes: The amount owed. The scam is to convince the mark to give the scammer something, usually money. Instead, do: Ask for a formal written notice or letter regarding the debt. In truth, they were not lawyers and had no authority to collect debts. Credit and collections departments can no longer rely on time-consuming, error-prone and expensive manual processes, especially when resources are inadequate and time is short. If a fake debt collector is contacting you or if a debt collector is lying or threatening you, you can quickly and easily file a complaint on the DFPI File a Complaint Webpage. If you've received some irritating phone calls about a debt you know you. As of Nov. Affinity Global, Inc. C. I was recently served papers saying that an unpaid credit card debt that went to collections is now suing me. Maintaining compliance. Today, the FTC filed a lawsuit against Global Asset Financial Services Group (GAFS) and fifteen related defendants for operating a fake debt collection scheme. Rosario Méndez. District Court, Northern District of California. The rights of debtors and the obligations of debt collectors are spelled out in the Fair Debt Collection Practices Act (FDCPA). The area codes most targeted by scam calls related to debt collection in that time frame are 226, 403, 450, 581, 639, 780 and 905, the CRTC said. Do not pay any upfront fees to a debt collector. The Bank will pay a 10% commission to ZDSB on each debt collected. So, this debt is time-barred. Warning signs of debt collection scamsMore Resources. But in many cases, unscrupulous people are behind these calls. Ask to see their identity card, which they must carry to prove who they are. Any communication about a case of this magnitude would come through certified mail. Last updated: Dec 14, 2022 @ 3:25 pm. A federal court temporarily halted the scheme and froze its assets at the FTC’s request. In this article, we'll also show you a few other fraud prevention tips including what to do if you lost money to a scam. If the answer is yes, then you are receiving calls from a known FBCS number. g. It is a scam. If you have a lawyer, the collector must communicate with your lawyer. It is headquartered in San Diego, California and employs over 1,800 people worldwide. They're calling, claiming to be AffGlo, however, none of them seem to know that AffGlo is just an abbreviation of Affinity Global. Buzzfile confirms the founding date of 1996, estimates FRS’ annual. Debt Collection. At the request of the Federal Trade Commission, a U. They life threatened people for money. Debt collection and advance-fee loan scams regularly rank among the top consumer complaints to the Federal Trade Commission (FTC). Once you have created your Answer, responded to the paragraphs in the Complaint, and asserted your affirmative defenses, you are ready for the final step: file your Answer. The letters attempt to collect an outstanding debt and are part of a scam that fraudulently identify the sender as the State of Michigan. If debt collectors are insisting that you owe a debt that you are sure you do not owe, you may be right. A Southern California debt collection operation, Asset Capital and Management Group, will surrender more than $4 million for consumer redress to settle Federal Trade Commission charges that it exto. Tuesday, September 29, 2020. Personal information contained in e-mail sent by individuals may be used by Future Judgements Solutions to answer questions, follow-up on suggestions or complaints, process requests or transactions, or improve the level of service Future Judgements Solutions provides. Per the Debt Collector Licensing Act some applicants are allowed to do business while they are waiting to be denied or approved. Phone: 1-800-359-3898 (toll free) You can also report COVID-19 related frauds and scams to the Treasury Inspector General for Tax Administration whose website has an information page and link to a report form . They can contact you by phone, email, or text, just like a real debt collector would for a past-due payment. Attorney, Division of Consumer and Business Education, FTC. Please share your experience with this debt collection company and provide your review and feedback, in the comments section below. They may make up another debt to try to get more money from you. If by some chance this is legit, then you'll have a good handle on who you owe to, how much, and what the next steps are. FU DMA Journal of Sciences (FJS) Vol. Warning signs of debt collection scams Withholds information from you A debt collector must tell you information such as the name of the creditor, the amount. NEWARK, Del. 1. A debt collection lawyer will negotiate on your behalf. This might not prevent you from getting spam calls directly. Now they can text you. The operators of a scheme that conned consumers into paying non-existent debts will be permanently banned from the. Last time anything was paid on the debt was 2/7 2009. (NYSE:MXT) is a financial services company that issues bank cards, insurance products, and credit protection. Fjsj. To prove you sent the letter, send it by certified mail with “return receipt requested. With this type of scam, you get a call from what appears to be a debt collector. Debt collection agencies demonstrate how serious they are when they file lawsuits against consumers. Personal information contained in e-mail sent by individuals may be used by Future Judgements Solutions to answer questions, follow-up on suggestions or complaints, process requests or transactions, or improve the level of service Future Judgements Solutions provides. We provide thorough explanations regarding the Debt Management Program, including details about potential advantages and associated costs. Call us now at 877-700-5790. Fake Full and Final Settlements: Apex Debt Recovery Services entices victims into settling their alleged debts through one-time, lump-sum payments, claiming to provide a full and final settlement. I wrote them back disputing the debt and asked them to validate the debt. How to Answer a Summons for a Debt Collection Lawsuit (In 3 Steps) Watch on. MPlus Social. m. Coming in at number nine on the list is a collection of scams that [email protected] cents for every dollar of unpaid debt they bought. To get your free. Selma Hrynchuk Selma is a fraud prevention specialist renowned for her expertise in private eye investigations and a remarkable partnership with law enforcement agencies. The compensation package was also ridiculous for the amount of work they said it would entail - 3-4 hours per week, $48,000/year plus 5% commission for anything collected (if it sounds too good to. If they find the transaction fraudulent, they can remove the account from collection. The DFPI regulates debt collection in the state of California. . com of 61%. Bottom line: Debt collectors are forbidden by law to threaten you, and extreme claims about jail time or immediate need for payment are often indications of a scammer. That way they will send you all pertinent details. the debt collector’s telephone number. On the other hand, if you suspect a debt collector is illegitimate, seek to verify their license number and validate the debt using the steps outlined above. How it works. disputed amount of $6,900. Also Known As GDC. Ask for details on the debt, such as: the amount you owe. In January 2018, a complainant indicated he had submitted a complaint on behalf of his mother, who had been receiving calls from FMS “commencing a little after 8:00 a. When your creditor is unable to recover a debt from you, they can choose to transfer the responsibility of recovering the debt to a third-party debt. Address: 7831 Glenroy Rd Ste 250, Edina, MN 55439-3117 Phone Number: 38 years as of 2020 Years in Business: 1982 Business Started: Business Started Locally: Edina, MN Business. It can also be extremely frustrating when you are being pursued for an alleged outstanding debt that you do not actually owe. We place an emphasis on quality of service. Attorney. Start by sending a written letter to the debt collection agency contesting the debt—and make sure you do it within 30 days of being contacted by a debt collector. Simply Payments. If they attempt to collect a debt that was discharged in a bankruptcy and make threats that cannot legally. Like any debt collection agency, MRS must also adhere to debt collection laws laid out by the Fair. Dealing with a bill in collections is stressful, so some people may not think twice when making a payment to a. com, the only federally authorized source. California and my debt started in 2010 i started getting messages in may this years thought it was a scam. Here are a few red flags signaling a debt collection call could be a scam: The debt collector threatens you with criminal charges. Debt. and the 11th largest issuer of MasterCard and Visa cards. Never negotiate or make payment based solely on a phone call. The scam by Global Asset involved. I can not provide an email as that is prohibited by the site. After charging us trickle amounts over the last couple of years adding up to over $6,000, they want $500 to close the account, AGAIN! Complete scam!Avoid cash-and-go scams and other issues by verifying that the collection agency contacting you is legitimate. Scam. Altogether, the FTC heard 53,004 complaints in 2020 — an average of 145 complaints a day — about debts that people did not owe and about abusive or threatening debt-collection practices, an 8 percent rise in complaints from 2019. Hocusader • • 3 yr. The person says that you owe debt. They will call, text, or email a victim and claim that they owe money and they are contacting them on behalf of creditors. The following are the essential steps to get Radius Global Solutions off your credit report for good: Ask for a goodwill deletion. Take action If you're getting threatening phone calls about a debt, even if it's one you recognize, you might be the target of a debt collection scam. com. FJS Global is a debt services organization working with families and individuals who are struggling with debt. • If you work for a business and receive a call or visit, be sure to speak with your manager or business owner first. A growing burden to global prosperity” and issued a grave warning as global public debt reached an all-time high of $92 trillion in 2022. See Your Offers Pay Online – Log in to. You can tell them that they are in violation of the Fair Debt Collection Practices Act and if they contact you again, you will sue them for the $1,000 per contact allowed under the Act. In 2021, 5. Spotting scammy emails. Message. 8 million and the size of its headquarters staff at 4 employees. Having said all of that, I should mention again that most debt collectors you encounter are not going to be fake. Debt collection scams are common. Learn more about dealing with debt collection at. You can choose a number ranging from $1,000 to $100,000 or higher. Check your credit report and if you have something on your credit report from credence resource management, then please first verify this by calling ATT global fraud department: at 888. The other possibility is that it's just a shitty debt collector. If you find yourself in too deep, contact the National Foundation for Credit Counseling through their online portal or give them a call at 1-800-388-2227. In 2021 alone, consumers reported losing more than $5. With a few simple strategies, you can get the debt collections agency removed from your credit report: 1. March 17, 2021. You can't do anything in the mean time. 50 per person. A debt collector can also contact your attorney and, if otherwise allowed by law, credit reporting companies (Equifax, Experian, and TransUnion) about your debt. 39. 4. The BBB established a profile page for CRS in 1998. In fact, the entire premise of this scam revolves around creating a sense of urgency and pressure by pretending to be a legitimate debt collector or collection agency. Being contacted by a legitimate. Then if your identity theft involves a person creating a Directv account without your consent,. Cherry Hill, NJ 08003. Also, contact your local Department of Housing and Urban Development office or the housing authority in your state, city, or county. If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company. The FTC sued GAFS Group in. 5 million. 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. Do you know how serious your debt is? Our certified credit counselors are ready to help you take control of. Global Collection Agency, which is now known as Affinity Global, Inc. S. If a debt consolidation company is being pushy or. Press 3 to speak to an interpreter. These kinds of scams often increase during the holiday season as well as around natural disasters and emergencies, such as storms, wildfires, or earthquakes. If you -or anyone you know- have had Global Trust Management, LLC, or any other collection agency, violate your consumer rights let Sue the Collector help you! Take a moment to fill out our Free Consultation Survey at the bottom of this page! Our expert. 7 million people filed reports and described losing more than $5. Contact one of Bills. FJS Global works hard to make resolving your past-due debt as easy as possible. According to the FTC’s complaint, Global. They have helped many people in your situation. dollars in revenue. Website. If you pay Radius Global Solutions for the debt, you can ask it to delete the entry out of goodwill. Hello, I have read your letter. When you contact a business, you know who's on the other end of the line. The debt is very old, approx. The Fair Debt Collections Practices Act requires all debt collectors to send a validation notice containing all the details of your debt within five days of your first contact. Some people report being accused of not paying back a loan which. Our Philosophy Payment Options Payment Options Pay online, by phone, or by mail. If you don’t find any errors, ask the debt collector to verify it. Signs of a debt relief scam. Report debt collection scams and abuse to the CFPB ( online or by calling 855-411-2372), the FTC ( online or by calling 877-382-4357) and your state’s attorney general. In this article, we'll also show you a few other fraud prevention tips including what to do if you lost money to a scam. Our range of flexible account options help you get started and stay on track, including: Custom offers that fit your budget. Phone: (888) 248-2509. Micro Global Management Inc. Metris is one of the largest bankcard issuers in the U. The creditor may also hire a debt collector or sell the debt to someone who may try to collect the debt. CRS is listed as a collection agency. If it does, contact the agency to ensure it upholds its end of the agreement. Call our experts to answer all of your questions and get the best deal on resolving your obligations. Scammers do this all the time. Debt relief service scams target consumers with significant credit card debt by falsely promising to negotiate with their creditors to settle or otherwise reduce consumers' repayment obligations. How To Spot a Scam Email in 2023. This month I was contacted by a collection agency via letter on a debt from 1999. Debt consolidation scam: Debt consolidation can help you streamline the process of repaying your debt and can save you money in the long run. Since she had taken payday loans in the past, Carson-Huff believed she might owe money. Scammers will try and rush you by threatening to sue you for unpaid debts which you may not even have. Mark calls / chats with the scammer. Our objectives as are to protect the value of currency in the interest of balanced and sustainable economic growth, formulate monetary policy, promote price stability and issue currency. Some fraudsters will represent themselves as a debt collector or court official and propose that you pay debt you don't actually owe to avoid “trouble”. Our practices are consumer-friendly and tailored to each individual’s circumstances. However, they have not been accredited by the Better Business Bureau. The maximum rating was given to fjsglobalcollect. If you see medical debt on your credit report, there are a few. Reason why this is a scam: 1. I was recently served papers saying that an unpaid credit. S. Credit and collections departments can no longer rely on time-consuming, error-prone and expensive manual processes, especially when resources are inadequate and time is short. That information must include: The name of the creditor; The amount owed More Resources. The Debt Collector Scam. Debt collection scams. Payment Processor to Pay Over $6 Million in Relief to Consumers. So even though he may be acting as an employee or agent of the law firm or attorney - they still have to comply with the Fair Debt Collections Practices Act. If you have been a victim of harassment from Radius Global Solutions LLC, we can help you get justice. WASHINGTON, D. Write them down. This way, you can confirm the letter’s legitimacy and avoid being scammed. EFXGlobal Review: Coleman, Peterson & Associates: Passive Trade Plan: Metcap Securities: InvestingPRO Review: Colby Mergers: Reclaws International (crypto recovery scam) Mergers & Acquisitions Law Group: CFXPoint Review: Coleman Brothers: RetireWellInvestors: Mercury Global Acquisition Inc. FJS Global works mostly with consumer finance accounts. Ad Astra Recovery Services. Scammers commonly ask you to “confirm” your name, address, SSN, or banking details. The Complaints and Reviews shown on this HQ profile may have been submitted against. Just as a new question in a new thread whenever you are ready. 3. A statement detailing your debt collection rights; Only pay a collector after determining their authenticity. If you owe money on a past-due debt for credit cards, auto loans, or something else, you may be the target of debt collector scams. The court had previously ordered the defendants’ assets frozen to preserve the possibility that they could be used to. If you’ve been the victim of a phone scam, you can report it online to the Federal Trade Commission, or over the phone by calling 1-877-382-4357. 03. Niles: IL: USA:. The worst strategy when you receive a summons to appear in court from Global Collection Agency is to ignore the summons. Third-party debt collectors like Global Processing Services debt collection agency come into the picture when a debt is left unpaid for up to 100 days or more, depending on your original creditor. A legitimate collector would have stopped all attempts to collect the debt once you informed them it. com is a scam. They began charging our account again on and off for two years stating we never closed our account or returned our terminal. Credit and Finance. To report in Mandarin, Tagalog, Vietnamese, French, Arabic, Korean, Russian, Portuguese, Polish, and many other languages, call the FTC at (877) 382-4357. Complaints against FMS commonly cite problems resulting from disputes about the validity of debts or communication tactics. If you suspect that you‘re a victim of a debt collection scam, stop responding to the potential fraudster immediately and report the scam to the following organizations: Federal Trade Commission.