Collectors posing as hybrid debt recovery agents.
Hybrid Debt Collections: What to Do
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Expert Opinion
Calls from debt collection agencies like this often come unexpectedly, especially if there's an old unpaid bill lurking in the background. Start by verifying the legitimacy—ask for written details about the debt and check your credit report for accuracy. Never share personal info over the phone without confirming their credentials through official channels. If it feels off, hang up and contact the original creditor directly. Remember, scammers sometimes pose as collectors to extract payments, so demand proof. For peace of mind, keep records of all interactions and know your rights under consumer protection laws to avoid harassment.
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