If harassing phone calls from legitimate debt collectors are not bad enough, numerous scam debt collectors are surfacing, many of whom seem impossible to stop.
Consumers can take action to avoid being victims of debt collection scams. Scam Collection Agencies often use a technique called "phishing" to search the Internet, mail and email to find your personal information and then use that information to try to convince you that you owe the debt. In order to prevent assisting these scam artists with their “phishing,” the FTC recommends consumers guard their personal information when using the Internet and offers these tips:
Do not reply to emails or pop up messages asking for personal or financial information. If you are truly concerned about your account, contact the organization directly to verify whether they requested your information.
Avoid calling phone numbers sent in emails. Technology allows scammers to disguise their phone numbers; the scammers may be located in a different area code than the phone number in the email suggests.
Use anti-virus and anti-spyware software. The “phishing” done by scam artists may harm your computer or track your Internet activities without your knowledge.
Do not email personal or financial information.
Review your credit card or bank account statements often and watch for unauthorized charges or suspicious activity.
Be careful when opening attachments or downloading files from emails—even if they are from someone you know. Email attachments may contain viruses which can weaken your computer’s security.
If you think you are the victim of a scam, file a complaint at
ftc.gov and call an attorney. The FTC warns that victims of “phishing” can become victims of
identity theft. -
Meredith Phillips (205)912-8244
Blankenship Harrelson, LLP
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