Creditors and debt collectors are stepping up their efforts to collect on what they say is owed. The financial turmoil people are facing has also increased the prevalence of consumer scams for debts that people don’t owe.
These consumer scams can come at any time, so be aware and alert when answering calls from numbers you don’t recognize.
Warning Signs of a Consumer Scam
There are clear signs that a debt collector may be operating illegally. These include violating the Fair Debt Collection Practices Act (FDCPA) in an obvious way by calling at times when they are legally not allowed.
A major warning sign of a consumer scam is that the telemarketer or salesperson is using high pressure to force you to buy something they are offering. You also should be suspicious of a telemarketer that refuses to take “no” as an answer from you.
Consumers should be cautious about accepting offers that are only good for a short time, if the offer is only good for today, hang-up the phone because that is a scam.
Any deal that sounds suspicious or too good to be true, probably is too good to be true.
FDCPA Violations Attorneys
If you receive calls from debt collectors that you believe violate the FDCPA, try your best to get the caller’s information, seek proof of the debt, ignore potential threats and most importantly seek legal guidance.
Our firm handles Fair Credit Reporting Act (FCRA) cases on a contingency basis. Maginnis Howard handles FCRA claims regarding consumer scams all over the state of North Carolina.