We heard back from many of you saying you are going crazy with scam calls but blocking the numbers have helped. We are glad you took our advice and started doing that! We did ask if anyone had any more tips to add to chime in with and the response was great. Thank you to those who gave their two cents. We will share them with you here!
A true debt collector will not ask you for any sensitive or private information. Not only does this include your social security number, but also your bank account, routing number, credit card number, passwords, etc. Someone who is not authentic is asking this type of information so they can try to commit identity theft.
A debt collector will not try to get you to pay off a debt via money transfer or any type of prepaid card. Both of these methods are untraceable. At the event you ever try to get your money back, it is not possible. Or if it is possible, it would be very difficult.
We reminded you last week to ask for a callback number at the event you do not feel like someone is being authentic. You can also contact the original creditor and confirm that they are the correct debt collector agency.
Also, we recommend you researching the First Debt Collections Practices Act. This protects you from a lot of things. Ultimately it is for your best interest.