1. Know the Laws
Assuming your debt was sold to a third-party collector, you’re not in for the easiest time of your life. Under the Fair Debt Collection Practices Act, a debt collector cannot lie about legal documents, make up a document to look legal when it isn’t, and they certainly can’t say you’ve committed a crime.
2. Am I Being Scammed?
Don’t automatically assume someone is an actual debt collector and give them your personal information.