is a Debt Collection
TRANSCRIPT
Hello, this message is for you. This is an attempt to collect a debt regarding your account number 748430. Our records indicate an outstanding balance of approximately $2038. Please note that failure to resolve this matter may result in further action. For immediate assistance, please call us back at (726) 237-8428 and reference number REF-8428-3694. Thank you.
DATE BLOCKED
Jan 17, 2026
CALL ACTIVITY
LAST DETECTED
10 days ago
SPAM SCORE
CARRIER
Vonage
LINE TYPE
VoIP (Non-Fixed)
LOCATION
United States
What is a Debt Collection?
Debt collection calls can be legitimate attempts to collect owed money, but many are scams from fraudsters pretending to be debt collectors. Scammers often use aggressive tactics and threaten legal action to pressure victims into paying fake debts.
Warning Signs
- •Threatens immediate arrest or legal action
- •Demands payment via gift cards, wire transfer, or cryptocurrency
- •Refuses to provide written verification of the debt
- •Calls outside of legal hours (before 8 AM or after 9 PM)
- •Uses abusive or threatening language
- •Claims to be from a government agency or law enforcement
How to Protect Yourself
- ✓Request written verification of any debt before paying
- ✓Know your rights under the Fair Debt Collection Practices Act
- ✓Never provide payment information to callers you don't trust
- ✓Use Ghost App to protect your personal number from debt collection harassment by using a temporary number for financial applications
- ✓Verify the debt with the original creditor directly
- ✓Report abusive debt collectors to the Consumer Financial Protection Bureau
- ✓Consult with a consumer protection attorney if you're being harassed
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