Scam Phone Number 2138353006, DO NOT GIVE THEM YOUR CREDIT CARD! Tell them to go ahead and sue you!!.

This caller's scam works in the following way: First, the scammer somehow gets a hold of your credit report. Next, the scammer looks for past delinquent accounts or defaults on your record. The scammer chooses one of those delinquent/defaulted accounts and pretends--variously--to be either a process server working for the county, an employee working for the collections division of a large third party debt collection law firm, or an actual court/police/government actor.

The scammer leaves a message to inform you that the call is regarding "a legal issue" and that process servers have been unable to serve you with process and you should call another phone number back immediately--by the end of the business day--to avoid having action taken without your input. If you call back, someone will claim that you are being sued for the delinquent/default account somewhere in your credit history. If you are intimidated by the thought of legal action and vaguely remember having had such a debt at some point, they will try to collect the entirety of the debt from you--which no legitimate creditor would do because they buy up that old debt for pennies on the dollar and will always offer to settle it at 1/2 the cost because they likely cannot prove their ownership of the debt in court anyway.

Leaving that aside, they may also inform you that you owe them well beyond the debt due to "interest" that is up to 10 times or more the original debt. If you give them your credit card number than they will proceed to rob you blind by charging your card with all sorts of fake company names like USA Credit or some such generic bullshit until you cancel your card. DO NOT GIVE THEM YOUR CREDIT CARD!!! Any legitimate debt buyer will send you a statement of what you owe in the mail--most jurisdictions require them to take such action prior to bringing suit in the first place.

Moreover, if a debt buyer actually wanted to sue you, they would serve you process and would not call you to tell you that they have not been able to accomplish service, they would send it by mail and cannot sue you unless they provide proof that they have given you service of process to file with the court.

They will also threaten to contact your employer to reach you on the debt--something that no legitimate debt buyer is allowed to do. Real debt buyers don't harass you because they will lose a law suit and end up having to pay you under consumer protection laws if they engage in that kind of behavior.

If you deny that you owe any such debt and explain that the account is not on your credit report, that it has been resolved for years, that you have already paid it, or that it is clearly well beyond the applicable statute of limitations, they will threaten you with a law suit. Tell them to go ahead and sue you and stop harassing you in the meantime. Oh and tell them that you know they are filthy scammers and they should be ashamed of themselves and go get a real job.

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