BE CAREFUL! This could be a scam, and some people will pay simply because they’re so frightened and intimidated—even if they don’t owe the debt! Thankfully, the Supreme Court ruled that you have the right to sue abusive collectors who are hounding you about debts you don’t owe. Even if you legitimately owe a debt, you have specific rights under federal law.
Here are some tips;
•Always record any calls from/to a collector
•If your debt is outside the statute of limitations, you are not required to pay up. However, I encourage you to honor your obligations, if they are proved to be yours, when you’re financially able to do so
•You have the right to tell a collector never to contact you again. Use a “drop dead letter” (look it up online)and send it via certified mail
•If you legitimately owe money and wish to make a deal to pay, never give a collector your checking account number over the phone. Collectors routinely take more money than agreed
•Never pay one cent until you have an agreement in writing stating your payments will resolve the debt in full