WICHITA FALLS, Tx (RNN Texoma) - Cosme Ojeda, Director of Operations for the BBB of North Central Texas joined Ava Van Valen Monday to speak about debt collection.
The BBB has received calls from consumers who said debt collectors have been harassing them. Ojeda said there are a few scenarios consumers should consider when getting these types of calls.
Identity Theft—If you are receiving collection calls on accounts that you did not open; the call could be a sign of identity theft. You need to check your credit report for any suspicious activity online at annualcreditreport.com or by calling 877-322-8228 and dispute any false information on your report.
Avoid being Scammed—The call could be a phony collection agency trying to trick you into giving your personal information or money.
* Ask the debt collector to provide documentation
* Ask for details of the company to verify after the call
* Do not provide personal information until you have verified their information.
Valid calls—If you do in fact owe the debt and the caller is abusive or uses threats we encourage you to file a complaint with the FTC.
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