Real collectors must follow strict rules; scammers fake urgency and threats. Paste the letter or message for an instant read.
Quick answer — 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.
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What a real collector must do
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.
Scam tells
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.
If you already paid or shared your info
Don't panic — acting quickly limits the damage. Do these now:
Paid by gift card, wire, or prepaid card? Contact the issuer immediately and report it — legitimate collectors never take those.
Gave your SSN or bank login? Start a plan at IdentityTheft.gov and consider a credit freeze.
Don't admit a debt you're unsure of — instead send a written validation request, which forces a real collector to prove the amount and the original creditor.
Report abusive or scam collectors to the CFPB and your state attorney general.
FAQ
How do I check if a debt collector is real?
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.
Official sources
This guidance is compiled from official U.S. government sources. For your specific situation, verify directly:
Is This Real?