A person is contacted by someone pretending to be from a collection agency, demanding to be paid for a debt that doesn’t exist. High-pressure tactics are often used to convince the victim that they need to pay right away. Scammers rely on fear and urgency to push you into acting without thinking.
Don’t panic. Contact the creditor directly using a trusted phone number or website. Never share personal or financial information with someone who contacts you unexpectedly. If something feels off, trust your instincts and report it right away.