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Phone scam The "phantom debt" scam

Phone scam The "phantom debt" scam

The term “phantom debt” is a relatively new one in the world of phone scams. It refers to a type of fraud in which scammers call unsuspecting victims and demand payment for a debt that the victim may not even know they owe. In this article, we will discuss what a phantom debt scam is, how it works, and what you should do if you receive a call from a debt collector.

What is a Phantom Debt?

A phantom debt is a fraudulent debt that is created by a scammer to get a victim to pay money that they do not actually owe. The scammer will typically call the victim, claiming to be a debt collector and demanding payment for a debt that the victim may not even be aware of. The scammer may also make threats if the victim does not pay the debt, such as legal action or even jail time.

What is Debt Spam?

Debt spam is an unsolicited message sent to a victim, usually via email or text message, claiming to be from a debt collection agency. The message usually contains a link to a website where the victim is asked to provide personal information, such as their Social Security number, to “verify” the debt. The scammer may then use this information to steal the victim’s identity or access their accounts.

Why am I getting calls about debt?

Scammers often target victims by randomly dialing phone numbers and claiming to be debt collectors. The scammer may also use automated robocalls to make the calls, making it difficult to trace the call or identify the scammer.

What happens if you ignore calls from debt collectors?

If you receive a call from a debt collector, it is important to remember that you have the right to ignore the call. You are not obligated to answer the call or provide any information to the debt collector. If you do choose to answer the call, you should be wary of providing any personal information as this could be used to steal your identity or access your accounts.

Do debt collectors ever give up?

Unfortunately, debt collectors rarely give up. If you have received a call from a debt collector and you know that you do not owe the debt, you should contact the debt collector in writing to dispute the debt. If the debt collector is unable to provide proof that you owe the debt, they are legally obligated to stop contacting you.

What not to say to debt collectors?

When speaking to a debt collector, it is important to be aware of what you should and should not say. You should never give the debt collector your Social Security number or other personal information, and you should never agree to pay the debt without first verifying that it is legitimate.

What debt collectors Cannot do?

Debt collectors are prohibited from engaging in certain activities, such as harassing or threatening you or making false statements about the debt. If a debt collector does any of these things, you should contact your state attorney general’s office to file a complaint.


Phone scams, such as the phantom debt scam, are unfortunately becoming more and more common. It is important to be aware of these scams and to know what to do if you receive a call from a debt collector. If you ever receive a call from a debt collector, remember to stay calm and remain aware of your rights.