is a Debt Collection
TRANSCRIPT
Hello, this message is for [Your Name]. This is an attempt to collect a debt in the amount of $3020 regarding your account number 968512. Please note that this is a serious matter and may result in legal consequences if not resolved promptly. To discuss this case further, please contact us at your earliest convenience using reference number REF-6532-1860.
DATE BLOCKED
Jan 17, 2026
CALL ACTIVITY
LAST DETECTED
26 days ago
SPAM SCORE
CARRIER
Visible
LINE TYPE
Mobile
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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