I get calls frequently about scammers calling to collect debt from hard-working and honest people. The scammers usually work the state every 4 or 5 months, and then move on. I thought it would be helpful to put together the latest scams I hear about each month into one blog post in order to debunk their credibility. Without further ado:
- There is a warrant for your arrest, and the only way to prevent your arrest is by paying your debt immediately. Payment can usually be made through Walmart Green Dot Visa cards.
- The caller threatens you with immediate imprisonment or that they can get a court to instantly enter a judgment against you. Uh, no. Do they mean immediate imprisonment in their mom’s basement? Because if that’s what they mean, then yes, they can immediately imprison you. And then be charged with criminal false imprisonment or kidnapping. But no, they can’t have law enforcement just show up, arrest you, and throw you in the clink. That’s not how it works.
- Vague threats of a lawsuit. No one calls you to tell you that they are going to sue you. They just file a lawsuit, and you get notice of the lawsuit through certified mail or the sheriff’s office or a legal process server.
- The “IRS” calls to tell you that you owe back taxes or some kind of debt to the government, and the only way to prevent your immediate arrest is by paying the amount they are demanding. Sorry, but you’re not special enough to get a direct call from the IRS.
- Insisting that the money must be wired, or mailed to an address that turns out to be a UPS store. Not legitimate, folks, not legitimate.
If there’s any question about whether or not the caller is a legitimate debt collector, err on the side of caution and hang up.