{"id":2487,"date":"2021-05-31T22:50:15","date_gmt":"2021-05-31T22:50:15","guid":{"rendered":"https:\/\/safecreditsolutions.com\/the-difference-between-a-legitimate-debt-collector-and-scammers\/"},"modified":"2026-03-10T20:43:58","modified_gmt":"2026-03-10T20:43:58","slug":"the-difference-between-a-legitimate-debt-collector-and-a-scammer","status":"publish","type":"post","link":"https:\/\/safecreditsolutions.com\/en\/blog\/the-difference-between-a-legitimate-debt-collector-and-a-scammer\/","title":{"rendered":"The Difference Between a Legitimate Debt Collector and a Scammer"},"content":{"rendered":"<h2 data-section-id=\"hl3ho\" data-start=\"0\" data-end=\"81\">How to Tell the Difference Between a Legitimate Debt Collector and an Impostor<\/h2>\n<p data-start=\"83\" data-end=\"482\">It\u2019s becoming increasingly difficult to tell the difference. You receive a call from an unknown number and someone on the other end tells you that you\u2019re in serious trouble over an old debt. Someone with a spotless record might ignore it right away\u2014but you\u2019re not so sure. You do owe money. What if the call is real? You don\u2019t want to overlook a legitimate problem or miss an important legal notice.<\/p>\n<p data-start=\"484\" data-end=\"794\">Handling debt collection matters can be complicated, especially when you\u2019re unsure whether the person contacting you is legitimate or trying to scam you. How can you tell which calls are trustworthy and which ones are not? Here are some warning signs that the person on the phone may be attempting to scam you.<\/p>\n<h2 data-section-id=\"oe23wd\" data-start=\"796\" data-end=\"833\">#1 They hide important information<\/h2>\n<p data-start=\"835\" data-end=\"885\">A legitimate debt collector must provide you with:<\/p>\n<ul data-start=\"887\" data-end=\"1015\">\n<li data-section-id=\"1vdlqba\" data-start=\"887\" data-end=\"915\">\n<p data-start=\"889\" data-end=\"915\">The name of the creditor<\/p>\n<\/li>\n<li data-section-id=\"1kn29ur\" data-start=\"916\" data-end=\"938\">\n<p data-start=\"918\" data-end=\"938\">The amount you owe<\/p>\n<\/li>\n<li data-section-id=\"1kyw3iq\" data-start=\"939\" data-end=\"1015\">\n<p data-start=\"941\" data-end=\"1015\">Notice that if you dispute the debt, they must obtain verification of it<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1017\" data-end=\"1139\">If they don\u2019t provide this information during the first contact, they must send you a <strong data-start=\"1103\" data-end=\"1138\">written notice within five days<\/strong>.<\/p>\n<h2 data-section-id=\"1mcroxe\" data-start=\"1141\" data-end=\"1201\">#2 They threaten you with jail or claim to be authorities<\/h2>\n<p data-start=\"1203\" data-end=\"1552\">Unlike centuries ago, you cannot be arrested and sent to jail simply for owing a debt. That said, there can still be legal consequences. If a collector sues you and you fail to appear in court, you may lose the case by default. If you then ignore the judge\u2019s order and still fail to pay, they could pursue further legal action for contempt of court.<\/p>\n<h2 data-section-id=\"66s9t4\" data-start=\"1554\" data-end=\"1600\">#3 You do not recognize the debt they claim<\/h2>\n<p data-start=\"1602\" data-end=\"1931\">When you receive a call, ask questions to confirm that the debt actually belongs to you. By law, they must tell you who the creditor is and how much you owe. If you believe the debt is not yours, inform them that you will send a written request asking for more information. You also have the right to dispute the debt in writing.<\/p>\n<h2 data-section-id=\"1v0gss2\" data-start=\"1933\" data-end=\"1953\">Take Back Control<\/h2>\n<p data-start=\"1955\" data-end=\"2154\">Are you receiving constant collection calls? Multiple calls a day from the same number? Are they filling up your voicemail or calling at all hours? You do not have to tolerate it\u2014it could be illegal.<\/p>\n<p data-start=\"2156\" data-end=\"2411\" data-is-last-node=\"\" data-is-only-node=\"\">Knowing this is only the first step. Contact <strong data-start=\"2201\" data-end=\"2226\">Safe Credit Solutions<\/strong> to learn how we can help. <strong data-start=\"2253\" data-end=\"2286\">This service is FREE for you!<\/strong> In some cases, you could receive <strong data-start=\"2320\" data-end=\"2336\">up to $1,000<\/strong>, have your debt dismissed, and have your name removed from credit reports.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>How to Tell the Difference Between a Legitimate Debt Collector and an Impostor It\u2019s becoming increasingly difficult to tell the [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1998,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center 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