Debt Collector Scams

Due to the sad state the economy is in many companies have been laying off employees causing them to default on their Mortgages and credit card bills. This has led to an epidemic of unscrupolus Debt collectors iniating debt collector scams. Debt collector scams are dirty tricks used by the debt collector to cause the consumer to pay them whether the consumer can afford to or not. Although these scams are illegal and against fdcpa laws the debt collectors continue to Use these dirty tricks to force the consumer to pay the debt. For example one couple was forced to leave their home because a debt collector had told them they were going to be arrested by A police officer for not paying their bill. In reality there is no truth in this whatsoever. You can not and will not be arrested for not Paying your bills these are all lies intended to scare and intimidate you . Here are some dirty tricks used by debt collectors to scare and intimidate consumers. The first step is for the debt collector to get You to call them back then they can start harassing you and force you to pay. 1. Social Security Number Scam- This is a dirty trick where the collector calls you and says that your ss # was Listed on some paperwork in his desk And you need to call him back. The debt collector never says who he is so you call him back then he will start harassing you and use the number you called him from to keep calling you and harassing you. This method is an fdcpa violation and highly illegal but few consumers are aware of this.

Reaging Accounts- This method is where a debt collector reports an account that is past the 7 year statutte And reports it with an earlier date. Lets say you have a mastercard that was charged off on May 7th 1994 its now June 19th 2001 . The debt collector reports the account as being charged off in 2003 this allows them another 7 years to report This on your credit reports.

3.Legal Paper Scam – This method involves the debt collector contacting you and stating that they are a process server and that they will be coming to your home or business to serve you the papers. Many times your caller id will show a local number . Many collection agencies provide the debt collector with a special cell phone that will display a local number when calling the debtor. Using these types of debt collector scams will scare and intimidate the consumer into paying the debt collectors if they are not aware of These tricks.

4.Check Fraud Scam- This is one of the debt collector scams used to collect on payday loans.

These are just debt collector scams. You will not go to jail for not paying a Payday loan just telling you this is an fdcpa violation by itself

Have you been abused by debt collectors ? Fight Back !