Beware Of Debt Collection Scams

Summary

Under the Fair Debt Collection Practices Act, debt collectors must send a written notice. If you havent received any, it might be a scam. Contact your local law enforcement and report the issue. Verify the identity of callers claiming to be from a law firm by independently searching for the law firms contact details and calling them directly.

Full Conversation

I'm pretty sure I am being scammed by someone claiming to be a debt collector
What actions has the alleged debt collector taken that makes you suspect a scam?
They have claimed they have sent letters about a debt because it has become a legal issue & that if I don't pay it then they will continue the lawsuit & will have my wages garnished.
Have you received any written notice from the debt collector? It's a requirement under the Fair Debt Collection Practices Act.
No
Under the Fair Debt Collection Practices Act, debt collectors must send a written notice. If you haven't received any, it might be a scam. Contact your local law enforcement and report the issue.
What if someone else calls claiming to be from a law firm?
What information did they provide about the law firm? Always verify the caller's identity by independently searching for the law firm's contact details and calling them directly.
They didn't provide any information & when I look the phone number up I come up with no information
What is the name of the law firm they claimed to be calling from?
Moore & Associates
What state are you located in? This will help me provide you with the most accurate information.
Arkansas
What was the exact amount they claimed you owed?
*.*
What type of debt did they claim you owe?
It's an unsecured loan debt, from 6 years ago, the debt is not on my credit anymore though
What is the name of the company that originally provided the loan?
Loan hero
What was the last communication you had with Loan Hero regarding this debt?
I have had zero contact with them since *
What was the reason for the lack of communication with Loan Hero since *?
I didn't have a job or phone for a period of time
Did you ever receive any written communication from Loan Hero about the debt being transferred to a collection agency?
No
Under the Fair Debt Collection Practices Act, the original creditor should have informed you about the debt transfer. If they didn't, it might be a scam.