I received a call 2 weeks ago about getting my correct address to serve me a civil lawsuit about a collection from Express which I do recall that I owed in the past, which i thought I paid last year (which now it starting to sound as a scam too) and i got scared and agreed to a settlement and made payments but yesterday I got a second call from a different company saying the exact same thing so now im pretty sure its scam but now its saying victoria secret which I am sure is the one i paid last year. Are all of them scams? What can I do?
Scammers are getting more and more creative and bold. I've been called by the "Department of Treasury," the "Selective Service Office," and "Office of the Comptroller of Los Angeles" all in the last month. Oddly enough, they all appear to have their offices in India...
Ask them their address and demand they send you written verification of the debt. If they can't or won't do that, it's likely a scam.
If you know it's a scam, and you've had a bad day, you can possibly take out that bad day on the waste of space person you're speaking with.
Or you can use the Latin term, as lawyers like to do, and tell them "ledo arenam," which translates roughly to "pound sand."
Never pay anyone over the phone unless you know they are legitimate. True debt collectors collecting on valid debts can and will send you written proof of the debt.
If you don't know who the person threatening you on the phone is, then you have a good bet that it is not true, You can assume that if it is too good to be true then its not.
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