Receiving a call or email from an agency trying to collect on a debt can be scary. It can be difficult to figure out if you truly owe the debt you’re being contacted about, and, if you do, if the amount owed is accurate.
Scammers pretending to be debt collectors are counting on making their victims too stressed to figure out that they’re lying about debts in order to steal your money.
In the debt collection scam, the scammer calls and tries to pressure the victim into paying for debts that the victim doesn’t currently owe. These could be debts they’ve completely made up, or debts that you’ve already paid.