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Debt Collectors Threatening a Lawsuit over the Phone and Other Telephone Scams

Updated on August 23, 2017

Has this happened to you?

One day I monitored a familiar call from a heavily accented man claiming I needed "to pay a debt to avoid a lawsuit. At that point I picked up the phone...

and promptly hung up. Not my first time with this scam.

I welcome considerate comments, the sharing of unfortunate consequences, or that you learned something important from this page, but...

WARNING to the Scammers: Want to post harassing comments or links here? Don't even try it.

They WILL NOT appear here since I moderate all comments and feedback.

P.S. Find another job with some dignity.

You do know about Karma, don't you?

Photo Credit: Creative Commons

The First Call from A Debt Collector

My daughter was the first in the family to get this call. She was still a young adult and only had a few debts. Like many children under 25 she still lived at home with us. Her debts included a cell phone, car payment, a small limit credit card, and school loan.

One day she answered the phone to a very pleasant young man with an accent who said she was late on her...

It wasn't long before the caller turned nasty and said she must pay right now over the phone or the police would knock on her door and she would be arrested. They also knew where she worked and might have her arrested there in front of her co-workers and management.

NEVER give or confirm your personal information over the phone with someone unless you already do business them.

Fake Debt Collection Call Recorded - The beginning of my call sounds like this video, word for word

WARNING: NEVER pay someone over the phone who has called YOU!

She freaked out!
She freaked out!
Outsmarting the Scam Artists: How to Protect Yourself From the Most Clever Cons
Outsmarting the Scam Artists: How to Protect Yourself From the Most Clever Cons

It's a lot easier that you would think to be conned out of personal information or your hard-earned cash. An interesting fact noted in this book claims that 10-15 percent of the population falls for clever scams. Whoa, that would be 4 or 5 people in my extended family!


Eeeeek! Time to check it out

Of course, she freaked out and hung up. Luckily, she lives in my house. Since I am a skeptic well trained in email phishing, I quickly went online to check out if this was a scam and searched for the phone number, too.

BINGO! Well documented scam artist tactic. These phony debt collectors use lots of names and phone numbers. Although most have foreign accents, they all use American-sounding names and may claim to be lawyers, police officers or investigators, and surprisingly, debt collectors. They also use many, many, numbers and claim to be calling from many locations within the U.S.

The caller called back several times.

Photo Credit: Creative Commons

Received a Fake Debt Collector Call like this?

Report it!

Go to Internet Crime Complaint Center @,

a partnership of the Federal Bureau of Investigation (F.B.I) and the

White Collar Crime Center.

Has a Phony Debt Collector ever called you? If yes, please share.

What happened? Post the phone number here, too.

How many times have Fake Debt Collectors called you?

How many times has a Fake Debt Collector call you?

See results

Want to Protect Yourself Against Phone Scammers? This is...

How to Avoid Phone Scams
How to Avoid Phone Scams

Tips to Avoid being Taken

Home Telephones


  • Use a Answering Machine to Monitor (listen to) your Calls.
  • Only pick if for people you know or companies with which you do business.

Most Scammers Thieves will hang up. Not a single one will leave a message. They want to use their nefarious skills to panic, threaten, or cajole, you into paying them. It's that simple.

Next Best Option ~or~ for Cell Phones

  • Add Caller ID to your phone service
  • Only answer calls from numbers you recognize.

If you are not sure, and you answer a call from a Scammer

  • When a caller tries one of the examples given on this page, hang up and note the phone number from the Caller ID

Report the call referencing the caller's phone number, and other information given if possible to:

Internet Crime Complaint Center @, where you can report the incident by filling out a form.

(The Internet Crime Complaint Center is a partnership of the Federal Bureau of Investigation (F.B.I) and The White Collar Crime Center.)

Recommended as Best Protection against Phone Scammers

AT&T CRL82312 DECT 6.0 Phone Answering System with Caller ID/Call Waiting, 3 Cordless Handsets, Black/Silver
AT&T CRL82312 DECT 6.0 Phone Answering System with Caller ID/Call Waiting, 3 Cordless Handsets, Black/Silver

Using an Answer Machine is a best way to avoid Phony Debt Collection agencies and other Scammers. About my calls... I have caller ID so the next time they called back, I responded before they could get in a word that I was on the "Do Not Call" list, and I already knew this was bogus. Confession: I actually used used another word beginning with B, but this is a G-rated page. You know what? They didn't call back. Caller ID as a secondary defense is well worth the price per month through your landline phone service.



These are not the only Call Scams!

Scammers come up with new ideas all the time to try to get your money or personal information (Phishing) to do you financial harm.

Pay Day Loan Scam

Woman does have a Debt to be Repaid, but not THAT Much!

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    • SoyCandleLover profile image

      BW Duerr 9 months ago from Henrietta, New York

      It's now April 2017, and I receive at least 2 calls a day on my land line, and I've been getting unknown callers on my cell phone.


      979-413-4009 robocall scam expired auto warranty

      832-225-3523 robocall pre-approved loan/warranty scam

      385-218-3057 robocall scam auto warranty

    • DesignedbyLisa LM profile image

      DesignedbyLisa LM 6 years ago

      Great info! Thanks!

    • profile image

      anonymous 6 years ago

      happy to give you your first squidlike, enjoyed my visit, thank you.