Scam Victim Debt Part 2: Debt Collection Scams & Managing Real Collections

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Scam Victim Debt Part 2: Debt Collection Scams & Managing Real Collections

(Last Updated On: August 10, 2022)

ScamScam A Scam is a confidence trick - a crime -  is an attempt to defraud a person or group after first gaining their trust through deception. Scams or confidence tricks exploit victims using their credulity, naïveté, compassion, vanity, irresponsibility, or greed and exploiting that. Researchers have defined confidence tricks as "a distinctive species of fraudulent conduct ... intending to further voluntary exchanges that are not mutually beneficial", as they "benefit con operators ('con men' - criminals) at the expense of their victims (the 'marks')". A scam is a crime even if no money was lost. Victim Debt Part 2

Debt Collection ScamsScams A Scam is a confidence trick - a crime -  is an attempt to defraud a person or group after first gaining their trust through deception. Scams or confidence tricks exploit victims using their credulity, naïveté, compassion, vanity, irresponsibility, or greed and exploiting that. Researchers have defined confidence tricks as "a distinctive species of fraudulent conduct ... intending to further voluntary exchanges that are not mutually beneficial", as they "benefit con operators ('con men' - criminals) at the expense of their victims (the 'marks')". A scam is a crime even if no money was lost. & Managing Real Collections

A SCARSSCARS SCARS - Society of Citizens Against Relationship Scams Inc. A government registered crime victims' assistance & crime prevention nonprofit organization based in Miami, Florida, U.S.A. SCARS supports the victims of scams worldwide and through its partners in more than 60 countries around the world. Incorporated in 2015, its team has 30 years of continuous experience educating and supporting scam victims. Visit www.AgainstScams.org to learn more about SCARS. Guide

After a scam, a victim may have significant real debt and collections becomes a reality!

Many Scam Victims Have Significant Debt After A Scam Ends

In many cases, this means having to face collection efforts.

This article will provide a tool to help you avoid debt collection scams (yes, you scammers many times know that you took out loans and will try to scam you again), and to better control real debt collectors.

Please see our 4 Step Guide for Debt Management

About Debt Collection & Spotting Scams

How Can I Verify Whether Or Not A Debt Collector Is Legitimate?

If you have debts, the odds are you are going to get calls from collection agencies – some will be real, some may not be.

Ask the caller for their name, company, street address, telephone number, and if they are state-licensed debt collectors, a professional license number (not only ask if they are but ask for the license number). You can also ask for and refuse to discuss any debt until you get a written “validation notice.” Do not give personal or financial information to the caller until you have confirmed it is a legitimate debt collector.

Sample Response Letter

First, you must get the address or email address of the collector.

You can tell them you will respond in writing using the sample letter below. Use the sample letter below to ask for more information about this debt and to give you confirmable information about the debt and the collector.

How to use this sample letter:

  • Fill in your information on the sample letter and edit it as needed to fit your situation.
  • Delete any parts that don’t apply to you.
  • Print and send or email the letter as soon as you can.
  • Keep a copy for your records.
  • You should consider sending the letter by certified mail or another method by which you can establish when the letter is received by the intended recipient. A Read Receipt on email also works.

The Basics Of Using This Approach

Send this letter as soon as you can — if at all possible, within 30 days of when a debt collector contacts you the first time about a debt. This is important because, under the U.S. Federal Fair Debt Collection Practices Act, your legal rights to obtain verification information from a debt collector are greater during the 30-day period. This is probably true in other countries too – time works against you!

When a debt collector is asking you to pay money, you’re entitled to ask for details.  The sample letter below will help you to get details on the following:

  • Why a debt collector thinks you owe this debt.
  • The amount of the debt and how old it is.
  • Details about the debt collector’s authority to collect this money.

A debt collector may not have a legal obligation to provide some or all of the information you seek, even if you request it within the 30-day period.  If the collector doesn’t give you what you request, that doesn’t necessarily mean the debt collector has broken any laws or has given up a legal right to collect from you, or is a scammerScammer A Scammer or Fraudster is someone that engages in deception to obtain money or achieve another objective. They are criminals that attempt to deceive a victim into sending more or performing some other activity that benefits the scammer..

When you have doubts about a collector do contact your government consumer protection agency to find out what is required and what your rights are.

After You Send Your Letter

  • If the debt collector makes vague statements about what will happen if you do not pay, read their response to your letter carefully. If they tell you that they intend to sue you, you should take that seriously. Federal law prohibits a debt collector from threatening to take any action they can’t take or that they don’t intend to take.

If you have specific questions, you may want to contact a licensed civil attorney or solicitor to help you.  If you need a lawyer, you can use these or search for attorneys in your country:

  • Review this list of state legal services.
  • Find lawyer referrals in your county and state by visiting the websites for your local or county bar association, or legal aid.

U.S. State laws have statutes of limitations, or limited time periods when creditors or debt collectors can file a lawsuit to collect a debt.

  • These periods of time can be two years or longer.
  • The period of time varies by state and by the type of debt.
  • In some states, even a partial payment on the debt will restart the time period – keep this in mind.

If you suspect that the debt may be beyond the statute of limitations, you may want to consult a lawyer before making any payment on a debt.

Not all states require debt collectors to be licensed.  Where a license is required, knowing whether or not a debt collector is licensed may be useful.  If the debt collector isn’t conducting themselves properly, you can contact the state licensing agency.

Sample Letter

Copy and paste the following and then edit as required:


[Your name] [Your return physical mailing/postal address][Date][Debt collector name] [Debt collector Address]

Re: [Account number for the debt, if you have it]

Dear [Debt collector name]:

I am responding to your contact about a debt you are trying to collect. You contacted me by [phone/mail], on [date] and identified the debt as [any information they gave you about the debt]. Please supply the information below so that I can be fully informed:

Why you think I owe the debt and to whom I owe it, including:

  • The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
  • If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
  • Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
  • If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.

The amount and age of the debt, including:

  • A copy of the last billing statement sent to me by the original creditor.
  • State the amount of the debt when you obtained it, and when that was.
  • If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
  • If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
  • If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
  • Tell me when the creditor claims this debt became due and when it became delinquent.
  • Identify the date of the last payment made on this account.
  • Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.

Details about your authority to collect this debt.

  • I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
  • If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.

I have asked for this information because I have some questions.  I need to hear from you to make an informed decision about your claim that I owe this money.  I am open to communicating with you for this purpose.  In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.

In addition to providing the information requested above, please let me know whether you are prepared to accept less than the balance you are claiming is owed. If so, please tell me in writing your offer with the amount you will accept to fully resolve the account.

Thank you for your cooperation.

Sincerely,[Your name]


Dealing With Collections Is Not Easy

Sadly, we cannot stop the debts that you may owe, but our goal is to give you information or provide guidance that may help you stay in control and reduce your stress as you go through this challenge.

We wish you the best of luck, but remember you always have options if you exercise them early enough!

For More Information About Scam Victim Financial Recovery:

Select the following SCARS Articles & Guides for more information:

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Essential Tools For Every Scam Victim From SCARS Publishing

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Each is based on our SCARS Team’s 31 plus years of experience.

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SCARS GREN BOOK - The SCARS STEPS Guide to Scam Victim Recovery

SCARS GREEN BOOK
Self-Help Self-Paced Recovery Program Guide

LEARN HOW TO RECOVER ON YOUR OWN

This program is designed to help scam victims struggling to recover on their own and for those who want to understand the overall process. You can be using other resources, such as traumaTrauma Emotional and psychological trauma is the result of extraordinarily stressful events that shatter your sense of security, making you feel helpless in a dangerous world. Psychological trauma can leave you struggling with upsetting emotions, memories, and anxiety that won’t go away. It can also leave you feeling numb, disconnected, and unable to trust other people. Traumatic experiences often involve a threat to life or safety or other emotional shocks, but any situation that leaves you feeling overwhelmed and isolated can result in trauma, even if it doesn’t involve physical harm. It’s not the objective circumstances that determine whether an event is traumatic, but your subjective emotional experience of the event. The more frightened and helpless you feel, the more likely you are to be traumatized. Trauma requires treatment, either through counseling or therapy or through trauma-oriented support programs, such as those offered by SCARS. counselingCounseling Counseling is the professional guidance of the individual by utilizing psychological methods especially in collecting case history data, using various techniques of the personal interview, and testing interests and aptitudes. A mental health counselor (MHC), or counselor, is a person who works with individuals and groups to promote optimum mental and emotional health. Such persons may help individuals deal with issues associated with addiction and substance abuse; family, parenting, and marital problems; stress management; self-esteem; and aging. They may also work with "Social Workers", "Psychiatrists", and "Psychologists". SCARS does not provide mental health counseling. or therapy, qualified support groupsSupport Groups In a support group, members provide each other with various types of help, usually nonprofessional and nonmaterial, for a particular shared, usually burdensome, characteristic, such as romance scams. Members with the same issues can come together for sharing coping strategies, to feel more empowered and for a sense of community. The help may take the form of providing and evaluating relevant information, relating personal experiences, listening to and accepting others' experiences, providing sympathetic understanding and establishing social networks. A support group may also work to inform the public or engage in advocacy. They can be supervised or not. SCARS support groups are moderated by the SCARS Team and or volunteers., or completely independent – on your own!

The SCARS Steps program is a complete program and is provided for the purpose of helping scam victims to overcome this experience. Throughout this SCARS Steps Program, we speak about issues and challenges that a victim may have and help guide them through their recovery. But each person is different and it is important to understand your own reasons for being vulnerable to being scammed.

After the trauma of being scammed, you need to take steps to recover and move on. This may be an alternative to counseling in the short term, but we still encourage you to seek out professional help & support. Throughout this SCARS Steps Program, we speak about issues, challenges, defects, or problems that a victim may have in a generalized way.

The SCARS GREEN BOOK will help you recover from your scam offline and it will always be there when you need it!

Get it here

SCARS SLATE BOOK - A Guide For Families & Friends Of Scam Victims

SCARS SLATE BOOK – Let Us Explain What Happened!

A Guide For Families & Friends Of Scam Victims

HOW TO HELP ROMANCE SCAM VICTIMS FOR FAMILIES & FRIENDS OF SCAM VICTIMS

This SCARS Publishing book represents a complete guide to help the families and friends understand how these scams work and how to help the victim.

The SCARS Slate Book should be purchased by family and friends to better understand what happened to the victim and the traumatic impact on them. But it can also be shared by the victim so that they do not have to explain to family and friends about the scam. This publication is to help others to help Scam Victims to make it through this traumatic experience and recover.

Each person is different and it is important to understand how relationship scamsRelationship Scam A Relationship Scam is a one-to-one criminal act that involves a trust relationship and uses deception & manipulation to get a victim to give to the criminal something of value, such as money! Click here to learn more: What Is A Relationship Scam? work and why people are vulnerable; to being scammed, how they were lured in, then groomed and manipulated. This understanding is essential in helping them through the process of ending the scam and then on to recovery. The SCARS Slate Book will provide the information necessary to help support a victim through this process.

Get it here

SCARS RED BOOK - Your Personal Scam Evidence & Crime Record Organizer

SCARS RED BOOK
Your Personal Scam Evidence & Crime Record Organizer

ORGANIZE YOUR INFORMATION TO MAKE THE REPORTING PROCESS SIMPLE!

Helps you get and stay organized. This publication is to help Scam Victims organize their crime information. Complete this information before reporting to the police then bring this book with you

Before or after reporting to the police the RED BOOK gives you a dedicated tool to record all the essential facts of this crime. The Victim, the Scammers, the Money, and your Police interactions. Everything that really matters can be easily recorded for your immediate use and for the future!

As we have seen, money recovery/repayment programs can become available years after the scam ends and you need to keep all the details of this crime in case it is needed. We have also seen scammers being extradited to the U.S. and other countries, this will help in the event you testify or give statements, Additionally, this helps you have your information ready to qualify for victims’ benefits, compensation, or aid.

The Official SCARS RED BOOK is your way of recording all the important facts of this crime so that you do not lose essential information, Complete the RED BOOK then put it away with the confidence that you will have it if or when it is needed.

Get it here

SCARS BLUE BOOK - Survivor's Recovery Journal
SCARS LIME BOOK - Wisdom & Motivation for Scam Victims
SCARS CHERRY BOOK - A Guide To Understanding Your Fear
SCARS WORKBOOK - 8 Steps To Improvement
SCARS WORKBOOK - Understanding Self-Blame, Guilt, and Shame
100% of all profit goes to support FREE Scam Victims' Services

See all our books and motivational gifts for scam victims at Shop.AgainstScams.org

100% of all profit goes to help SCARS help more scam victims worldwide.

Your generous purchase allows us to maintain our scam avoidance, support, and recovery services. Please help SCARS and stand proud.

Always Report All Scams – Anywhere In The World To:

U.S. FTCFTC The Federal Trade Commission (FTC) is an independent agency of the United States government whose principal mission is the enforcement of civil (non-criminal) U.S. antitrust law and the promotion of consumer protection. The FTC can also act as a clearinghouse for criminal reports sent to other agencies for investigation and prosecution. To learn more visit www.FTC.gov or to report fraud visit ReportFraud.FTC.gov at https://reportfraud.ftc.gov/#/?orgcode=SCARS and SCARS at www.Anyscams.com

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SCARS the Society of Citizens Against Relationship Scams Incorporated

By the Society of Citizens Against Relationship ScamsSCARS SCARS - Society of Citizens Against Relationship Scams Inc. A government registered crime victims' assistance & crime prevention nonprofit organization based in Miami, Florida, U.S.A. SCARS supports the victims of scams worldwide and through its partners in more than 60 countries around the world. Incorporated in 2015, its team has 30 years of continuous experience educating and supporting scam victims. Visit www.AgainstScams.org to learn more about SCARS. Inc.

A Worldwide Crime Victims Assistance & Crime Prevention Nonprofit Organization Headquartered In Miami Florida USA & Monterrey NL Mexico, with Partners In More Than 60 Countries
To Learn More, Volunteer, or Donate Visit: www.AgainstScams.org
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