What to know if you're contacted by a collection agency
Contact 13 Mailbag for July 5, 2013Photo: Video by ktnv.com
Las Vegas, NV (KTNV) -- It's time to reach into our Contact 13 mailbag. You email us questions and we answer them on the air.
Miriam wrote to us after getting a call from an alleged collection agency.
She says: "They insist on immediate payment, but provide little info about what that debt is. They use scare tactics like threatening to arrest you or double the amount owed."
Miriam knew this was a scam and wanted to warn others.
Remember, a collection company must provide a written notice of any debt. And they legally must give you at least 30 days to respond.
If you don't think you owe a debt, don't be afraid to dispute the claim and ask for more proof.
Jim sent us an email allegedly from his credit card company that says: "We want to inform you that we were unable to verify your account details. To ensure your online service is not interrupted, we request you to update and confirm your info."
Thanks Jim for your email. This is a scam we've reported on before.
The email provides a link, which usually exposes your computer to malware or some sort of virus. The Better Business Bureau warns, never provide personal financial information to anyone unless you can verify who you're giving that info to.
And remember, a credit card company will never ask you to verify your account information. If you really think it's a legitimate request, then take the initiative to call the customer service number on the back of your card and verify for yourself.