is a Debt Collection
TRANSCRIPT
Hello, this is a call from the Office of Account Resolution regarding an outstanding balance. Your reference number is REF-7191-4899, and our records indicate you owe a total of $3,292. It is imperative that you contact us immediately to discuss your account number 611935 to avoid potential legal consequences. Please call us back at your earliest convenience.
DATE BLOCKED
Jan 17, 2026
CALL ACTIVITY
LAST DETECTED
21 days ago
SPAM SCORE
CARRIER
US Cellular
LINE TYPE
Mobile
LOCATION
Chicago, IL
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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