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While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. You receive a call or text from an unknown number. While debt collectors are indeed very real, there are scammers who pretend to be them to get money out of you.
How can you tell the difference between the real ones and the would-be fraudsters? Here are six ways to recognize a debt collector scam. Getting a call, email or letter from a company that claims to be a debt collector can be alarming.
A credit collection scam might use scare tactics and threats. The scammer might also pull the emotional card, making you feel like a bad person. And they might try to create a sense of urgency so you move quickly and do what they want. Real debt collectors are from reputable companies with websites and reviews, and you can contact them if necessary.
Check your credit report for accounts in your name, and to see if it shows which debt collection agencies your defaulted accounts have gone to. You can also reach out to the original lender or creditor to see if your debt has been sold off, and if so, where your debt has been sold to. Often times your core servicing system does not have a very compliant or robust collections module.
AdvantEdge TM can seamlessly interface with your core system at any point. A time proven debt collection software system that is adaptable for any industry. It is very user-friendly with most functions not requiring IT help. AdvantEdge TM is ultra fast saving valuable time and leading to more calls per hour. It will increase your recoveries, decrease your costs and bolster your bottom line.
We listen to and develop products and solutions based on the expressed needs of our customers. We have a commitment to excellence by providing quality software products, solutions and ongoing support for our clients. Debt Collection. Update for renters. This can include lawyers who collect rent for landlords. From May 3 through July 31, , a debt collector may have been required to give you notice about the federal CDC eviction moratorium.
That moratorium ended on July 31, Here are a few warning signs that could signal a debt collection scam: The debt collector threatens you with criminal charges. Legitimate debt collectors should not claim that they'll have you arrested. The debt collector refuses to give you information about your debt or is trying to collect a debt you do not recognize.
You have certain rights to ask a debt collector about the debt, including when you don't believe you owe the debt. You can use this sample letter to request more information. Ask for an explanation in writing before you pay. The debt collector refuses to give you a mailing address or phone number.
The debt collector asks you for sensitive personal financial information. You should never provide anyone with your personal financial information unless you are sure they're legitimate. If you think that a call may be a scam or a fake debt collector: Ask the caller for a name, company, street address, telephone number, and professional license number. Scam artists, like fake debt collectors, can use your information to commit identity theft such as: Charging your existing credit cards Opening new credit card or checking accounts Writing fraudulent checks Taking out loans in your name Contact your creditor.
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