Protect yourself from phony debt collectors. The Better Business Bureau has sent out a massive warning to Chicago and Northern Illinois, letting people know about the recent rise is fake debt collection attempts. Apparently some fraudulent companies have gotten ahold of some very personal consumer information and is using that information against them.
Phony debt collectors are aggressively harassing consumers who have used a payday advance service in the past. The debt collectors have obtained vital information such as Social Security Numbers, maiden names, addresses, and phone numbers and use these items to claim their intentions.
The phony debt collector will call you, tell you what you owe, when you must pay it and what kind of legal consequences await you should you chose not to pay. They seem legit in every aspect, and if you’re stuck on the phone with them, they will not take no for an answer. This is when you should start to get suspicious.
Knowing what to ask and what the answers should be is a great defense to have when dealing with debt collectors, especially when so many of them are phony. You should instantly be suspicious the moment a debt collector calls you, especially if you live in the affected areas and have used a payday advance service in the past.
According to the Chicago Sun Times, if you are suspicious of a debt collection phone call, do the following:
• • Ask the debt collector to provide official documentation in writing.
• • Not provide or confirm bank account or credit card numbers or other personal information over the phone until the legitimacy of the call is confirmed.
• • File a complaint with the BBB and the Federal Trade Commission if they suspect they're being scammed or the caller is abusive.
For more information on phony debt collectors and debt negotiation visit http://www.yourdebtnegotiator.com.
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