is a Debt Collection
TRANSCRIPT
Hello, this message is for you. This is an attempt to collect a debt regarding your account number 360881 with an outstanding balance of approximately $2944. Please reference number REF-2827-1496 when calling back. It is important to resolve this matter to avoid potential legal consequences. You may reach us at (866) 309-2827 at your earliest convenience.
DATE BLOCKED
Jan 19, 2026
CALL ACTIVITY
LAST DETECTED
48 days ago
SPAM SCORE
CARRIER
Vonage
LINE TYPE
Toll-Free
LOCATION
Toll-Free
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
Protect Your Number with Ghost
Don't let spam callers have your real phone number. Get a Ghost temporary number and keep your personal line completely private and spam-free.
Get New NumberMost active robocallers in the past hour:
Stop annoying robocalls and spam texts forever.
Automatically protect your entire network from scammers, spammers, and swindlers.
Get New NumberStill have more questions?
Look here for answers.
Ghost is a temporary phone number app that gives you a second phone number to protect your privacy. You can use Ghost numbers for unlimited calling and texting without ever exposing your real phone number. Perfect for online dating, marketplace sales, business, and any situation where you want to keep your personal number private.
Stop annoying robocalls and spam texts forever.
Automatically protect your entire network from scammers, spammers, and swindlers.
Get New Number