Consumers who fall behind on credit card payments or other bills sometimes hear from a debt collector. But people who do not even owe any money may find themselves contacted by a debt collectors, or someone who falsely claims to be one. Here are key points to know.
- If a third-party collector (not your original lender) contacts you about a debt you owe, federal law requires you to be treated fairly and without harassment.
- If you are contacted about a debt owed by a deceased relative, be careful. You may not have any legal obligation to pay these debts. Do not send any more until you verify these claims.
- Be aware that con artists sometimes pose as debt collectors. They may even claim to be from the government, including law enforcement, when attempting to collect on a non-existent debt. Warning signs include a caller who is unwilling to provide written proof of a debt (the amount of the debt and the name of the creditor you owe), who will not provide a mailing address, or who threatens jail or violence.