Are you getting calls from debt collectors that seem suspicious? In this episode of the Ask Ralph Show, host Ralph Estep Jr. reveals the top 7 debt collection scams to watch out for. Ralph answers a listener’s question about how to tell if a debt collector is legitimate and shares real-life stories about people who have fallen victim to these scams. Stay informed and learn how to protect yourself with Ralph’s practical tips on identifying and avoiding debt collection scams.
https://www.askralphpodcast.com/debt-collections-scams/
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Podcast Shownotes:
00:00 Episode Overview
01:05 Listener's Question
02:08 Bible Verse
03:02 Story of Ralph’s Client - Sally
05:30 Top 7 Debt Collection Scams to Avoid
06:12: #1 Phantom Debt Scam
06:47 #2 Immediate Payment Demand
07:21 #3 Threat of Arrest
07:56 #4 Odd Payment Method Request
08:58 #5 Identity Theft Setup
10:18 #6 Robocall Debt Collection Call
11:01 #7 Fake Government Agency
12:39 Actionable Steps to Protect Yourself from Debt Scams
12:42 #1 Always Ask for Written Validation of the Debt
13:13 #2 Don’t Give Out Personal Information Over the Phone
13:36 #3 Contact the Original Creditor to Verify
14:03 #4 Never Pay a Debt Using Gift Cards
14:32 #5 Hang Up the Phone
15:58 #6 Register Your Phone Number with the National Do Not Call Registry
16:15: #7 Report to the Federal Trade Commission & State’s Attorney General's Office
17:03 Conclusion
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