Real collectors must follow strict rules; scammers fake urgency and threats. Paste the letter or message for an instant read.
Under the FDCPA, a legitimate collector states the amount and the creditor, gives an itemization, tells you your validation rights, and identifies itself with real contact info — and can't threaten arrest.
Threats of arrest/jail, gift-card or wire demands, refusing to name the original creditor, a debt you don't recognize, or 'pay in 24 hours' pressure. Demand validation in writing within 30 days.
Send a written debt-validation request within 30 days — a legitimate collector must prove the amount, the original creditor, and that you owe it. Paste the letter above to see which required elements are missing.