fake debt collection letters

RALEIGH, N.C. (WNCN) – Growing numbers of fake debt collection scammers are moving in on North Carolina residents now that stimulus money is available and the state insurance commissioner is warning citizens to be alert. What to do. Once you’ve determined a fake debt collector is calling, hang up and never speak with them again, no matter what they say or how often they call. It means they cannot call you, send you letters, or list the debt on your credit report. Debt collection agencies HM Revenue and Customs ( HMRC ) can collect your debt through a private debt collection agency. Graduates falling behind on debt repayments were sent threatening letters from what appears to be an independent debt collection agency – but is in fact a pseudonym for the Student Loans Company. I receive fake debt collection calls daily. While the alleged debt owed is relatively small, $134.70, I am not about to pay a debt that isn't legitimate. The inaccurate debt collection may have resulted from someone opening an account in your name and failing to pay the bill, and sometimes paid debts are accidentally sent to collections. This section explains what you should do if you have received a letter from a debt collection agency. A collection agency can still sue you for the debt and win if you ignore all correspondences and do not appear in court to defend yourself. Fake Debt Collection Scam Emails. Once you send a request for proof, also called a debt validation letter, the collector must stop collection efforts until they've sent sufficient proof of the debt. You can then call the original creditor your account has been placed with, provide the reference number to confirm the debt and verify that Convergent Outsourcing has been contracted by the company to collect that debt. The agency will write to you and you should pay them directly. Often they are just bluffing - you need to know what to do. Collection Letter Templates Introduction. Letter from debt collectors. They can’t call early in the morning or late at night. Also, you’re protected by the federal Fair Debt Collection Practices Act, which restricts when and how debt collectors can contact you. Debt collectors often write letters threatening court, CCJs and bailiffs. Please report them to your local BBB office. written by Brett M. Christensen February 4, 2016. The scam is straightforward. DO NOT PAY - this is fake collection company. A debt collector must tell you information such as the name of the creditor, the amount owed, and that if you dispute the debt the debt collector will have to obtain verification of the debt. If the debt is legitimate, it does not mean the person calling is entitled to collect the debt. I have reported the scam to the BBB. Ask the caller for their name, company, street address, telephone number, and if your state licenses debt collectors, a professional license number. If you have received a letter from a debt collection agency, you may feel that you are being chased for a debt that you do not think you owe. Report debt collection scams and abuse to the Consumer Financial Protection Bureau (online or at 855-411-2372), the Federal Trade Commission (online or … Be aware, however, that the IRS will start using private debt collection companies in 2017. While most debt collection agencies (by their very nature) can be fairly pushy, any forceful attempts to get you to pay on the spot or over the phone are suspicious. Dear XX (name of debtor), . Do not ignore collection letters, even if you know you do not owe the debt. In another case, a debt collector sent a letter that stated the debt collection agency was licensed by the Wisconsin Department of Financial Institutions (DFI) as a sales finance company.

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