Any pause with, or failure to identify themselves clearly and immediately, is a huge red flag.
Some debt collection scams are designed for the quick cash.
They need to scam as quick as they can using a few phone calls to their mark, or to your family members or work place.
How is it that a fake collection scam can get the information they need to really cause you stress and pressure you to pay them something?
That is why you may recall the debt in the first place, and be susceptible to fork over some money to stop a fake lawsuit, arrest, or potential embarrassment.Legitimate debt collectors and process servers do not make these threats. The fact is, virtually any debt collection lawsuit that someone took the trouble to file, is going to serve you with it before talking word one about payments.That is just how that kind of escalated collection action works.In haste I made a payment in full (reduced amount of course) to settle and not go to court! Ten years ago it was not something I would run into.Nowadays, between my site, and many others that are part of my daily activity and news feed, I see a reference to some fake debt collector on a near daily basis.The pages are skinny on any details and have no industry badging that you find on legitimate collection company sites.I was not kidding about some of the ways licensed and bonded debt collection agencies can be found to step over clear lines of consumer protection laws. A real debt collector can have a real hard time getting paid when people are struggling to pay today’s bills, let alone pay for the past.None of that excuses bad collection behavior, and it sure does not help public perception of debt collectors.Real debt collectors may make empty threats about you being sued.And debt collectors do not call you up to inform you of that in my experience.Debt collectors that are trained properly cannot act in a false or misleading manner in an effort to get you to pay.