Scam Library

Debt Collection Scams

A caller claims you owe a debt — sometimes an old or unfamiliar one — and threatens legal action, wage garnishment, or arrest if you don't pay immediately, often demanding an unusual payment method.

Warning signs

What to watch for

Threats of immediate arrest or lawsuit if you don't pay right away
Refuses to send anything in writing or provide a callback number you can verify
Demands payment by gift card, wire transfer, or prepaid debit card
Pressure to keep the call confidential

Stay safe

How to verify

Legitimate debt collectors are required to send written validation of the debt — ask for this before paying anything
Request the collector's name, company, and a callback number, then verify independently before engaging further

Already sent money or shared a password?

Contact your bank using the number on the back of your card, or the official number on your statement — not any number from the suspicious message.

Not sure if something you received matches this pattern?

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