{"id":872108,"date":"2020-08-04T12:20:42","date_gmt":"2020-08-04T16:20:42","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=872108"},"modified":"2026-04-14T22:28:31","modified_gmt":"2026-04-15T02:28:31","slug":"debt-collector-scams","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/personal-loans\/debt-management\/debt-collector-scams","title":{"rendered":"5 common debt collector scams"},"content":{"rendered":"<p>Not sure if a debt collector is legit? Fake debt collection companies might be more prevalent than you think and could cost you if you&#8217;re not careful. You can protect yourself by looking out for common scams and reporting suspicious companies to prevent them from targeting anyone else.<\/p><h3 id=\"learn\">Top debt collection scams<\/h3><p>Fake debt collectors try to trick you into paying off debts you&#8217;ve never actually taken out. One of the biggest dangers is that they might sound legitimate. Many use the names of real businesses \u2014 or names that sound similar to real businesses you might even have an account with.<\/p><p>Here are some common debt collector scams to look out for:<\/p><h4>CRA tax collector scam<\/h4><ul class=\"list-10\"><li><strong>What it is:<\/strong> Someone posing as an CRA employee says you owe taxes and demands payment \u2014 usually with a credit, debit or prepaid debit card. Often, they threaten you with jail time.<\/li><li><strong>How to recognize it:<\/strong> The <a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/news\/newsroom\/tax-tips\/tax-tips-2018\/what-to-expect-cra-contacts-you.html\" target=\"_blank\" rel=\"noopener\">CRA has clear reasons why they would call you<\/a>. Any caller that contacts you about tax debt you&#8217;re unaware of, demands immediate repayment, threatens to call law enforcement or doesn&#8217;t give you the opportunity to appeal is acting illegally. The CRA never asks for any credit or debit card numbers over the phone.<\/li><li><strong>What to do:<\/strong> Hang up and don&#8217;t give the caller any personal information. If you think you might have tax debt, you can check your tax account information on the CRA website, where you&#8217;ll also find payment options. Or call 1-888-863-8657 and verify the CRA did actually contact you.<\/li><\/ul><h4>Wire transfer scam<\/h4><ul class=\"list-10\"><li><strong>What it is:<\/strong> A debt collector calls you, says you owe money and demands repayment by wire transfer, rather than by cheque or online.<\/li><li><strong>How to recognize it:<\/strong> The debt collector only allows you to make repayment through a wire transfer and doesn&#8217;t give other options.<\/li><li><strong>What to do:<\/strong> Hang up and don&#8217;t make the transfer. If you&#8217;re not sure it&#8217;s a scam, contact your creditors to check if your account has been transferred to collections. If it has, ask for the collection agency&#8217;s contact information.<\/li><\/ul><h4>Collection agency scam<\/h4><ul class=\"list-10\"><li><strong>What it is:<\/strong> Someone claims they work for one of the two major credit bureaus \u2014 Equifax or TransUnion \u2014 and tells you they&#8217;re collecting debt you owe.<\/li><li><strong>How to recognize it:<\/strong> Anyone who says you need to pay off debt through a credit bureau is scamming you. None of them collect repayments.<\/li><li><strong>What to do:<\/strong> Get the person&#8217;s name, title and general information about the company they claim to work for before hanging up \u2014 this makes it easier to report. Don&#8217;t give out any personal information.<\/li><\/ul><h4>Fake government official scam<\/h4><ul class=\"list-10\"><li><strong>What it is:<\/strong> Someone claims they work for a government agency and says you owe them money, often threatening you with jail time.<\/li><li><strong>How to recognize it:<\/strong> With the exception of agencies like the CRA, most government agencies don&#8217;t collect money from private individuals.<\/li><li><strong>What to do:<\/strong> Ask which agency they work for, their name and position before hanging up. Then report them to your provincial consumer protection agency.<\/li><\/ul><h4>Phishing scam<\/h4><ul class=\"list-10\"><li><strong>What it is:<\/strong> Someone poses as an employee of a debt collection company to get personal information like your Social Insurance Number (SIN) to steal your identity.<\/li><li><strong>How to recognize it:<\/strong> They ask for information you normally wouldn&#8217;t give out, telling you your record is incomplete or that they want to double-check the information they have is correct.<\/li><li><strong>What to do:<\/strong> Hang up immediately without giving out or confirming anything. Contact your creditors to make sure your debt is not in collections and that your personal information is up to date.<\/li><\/ul><h3>How do I spot a fake debt collector?<\/h3><p>These days, putting your number on the Do Not Call Registry may not be enough to keep the calls from coming. If you&#8217;re getting these types of calls, you might want to look out for a few telltale signs that it&#8217;s not legit and avoid giving out your personal information.<\/p><h4>Most commonly used area codes by fake debt collectors<\/h4><p>You don&#8217;t need to pick up the phone to spot a fake debt collector. You can often tell a call is spam just by looking at the phone number. However, fake debt collectors and other scammers often disguise numbers they call from as private individuals to avoid being blocked.<\/p><p>According to Hiya, these are the most common area codes where spam calls originate from: <table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th scope=\"col\">Area code<\/th><th scope=\"col\">Coming from<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td>647<\/td><td>Toronto<\/td><\/tr><tr><td>416<\/td><td>Ontario<\/td><\/tr><tr><td>519<\/td><td>Southwestern Ontario<\/td><\/tr><tr><td>604<\/td><td>Vancouver<\/td><\/tr><tr><td>780<\/td><td>Edmonton<\/td><\/tr><tr><td>403<\/td><td>Alberta<\/td><\/tr><tr><td>514<\/td><td>Montreal<\/td><\/tr><tr><td>905<\/td><td>Hamilton<\/td><\/tr><tr><td>778<\/td><td>British Columbia<\/td><\/tr><tr><td>613<\/td><td>Ottawa<\/td><\/tr><\/tbody><\/table><div class=\"has-padding-xsmall\"><\/div><h3>How do I know if they&#8217;re legit or a scam?<\/h3><p>Ask yourself the following questions if you&#8217;re not sure whether you&#8217;re speaking to a reputable debt collector:<\/p><ul class=\"list-9\"><li><strong>Who&#8217;s calling?<\/strong> Take into consideration the company the caller works for, their contact information and where the debt originally came from. If they can&#8217;t give you that information or you don&#8217;t recognize the names of any of the companies mentioned, you might be talking to a debt collection scammer. You can verify the agency exists by checking your <a href=\"https:\/\/www.ic.gc.ca\/eic\/site\/Oca-bc.nsf\/eng\/ca02982.html\" target=\"_blank\" rel=\"noopener noreferrer\">Provincial or Territorial Consumer Affairs Offices.<\/a> You can use the debt collector&#8217;s contact information to make sure everything checks out \u2014 or to give a more detailed complaint if it doesn&#8217;t. Information should include their name, address, web address, and phone number.<\/li><li><strong>Why are they calling?<\/strong> Even if you have an account with the creditor the caller mentions, ask for more details. If you can log in online to verify the information they&#8217;re giving you, do so before continuing the conversation. You can also try calling the number you already have on file for that company to check the information and make sure that the caller wasn&#8217;t impersonating the company.<\/li><li><strong>Are they speaking fast?<\/strong> One telltale sign of a scammer is that they don&#8217;t let you get a word in. If you&#8217;re talking to someone who won&#8217;t answer your questions or is speaking in a threatening manner, hang up.<\/li><li><strong>Are they asking me about personal information?<\/strong> Many legit companies won&#8217;t ask for information like your Social Insurance Number, date of birth or credit account numbers over the phone \u2014 especially if it&#8217;s your first point of contact.<\/li><li><strong>Can they provide a validation notice?<\/strong> Collectors are legally required to notify in writing or show they have made a reasonable effort to let you know that you owe them money. You can request validation or <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/debt-management\/debt-validation-letters\">verification of the debt<\/a> to make sure it&#8217;s legitimate and that you&#8217;re the person the collection agency is actually looking for.<\/li><li><strong>Are they threatening me with jail?<\/strong> Debt collectors are not allowed to use threatening language, which includes threatening police involvement or jail time. The Canada Revenue Agency (CRA) states that it will never threaten you with a jail sentence.<\/li><li><strong>Does the collection agency exist?<\/strong> Check with the Better Business Bureau or your provincial or territorial consumer affairs office.<\/li><li><b>What do my creditors have to say? <\/b>Sometimes debt collectors lie to get you to pay quicker. Ask your creditor if any of your accounts have gone to collections. If they have, ask for the name and contact information of the collection company and reach out yourself.<\/li><\/ul><p>Afterwards, consider checking your credit report and credit accounts to make sure none of your bills are actually in collections. If you notice a problem or an error, reach out to your creditors as soon as possible. Or if your account really is in collections, reach out to the debt collection company.<\/p><h3>Be wary of local numbers<\/h3><p>In addition to the area codes listed above, you might have gotten debt collector calls from a number that looks a lot like yours. This is called neighbor spoofing, where a scammer uses technology to make it look like up to the first six digits of your phone number.<\/p><p>The idea is that you&#8217;ll be more likely to answer if you think it&#8217;s someone in your area. Typically, it&#8217;s not. If you get a call from a number suspiciously like yours, you might want to let it go to voicemail.<\/p><h3>How do I stop these numbers from calling me?<\/h3><p>Unfortunately, there&#8217;s no way to absolutely stop receiving these calls. However, there are a few steps you can take to minimize the number of debt collector scam calls you receive.<\/p><h4>Sign up for the Do Not Call Registry<\/h4><p>You can register your phone to <a href=\"https:\/\/lnnte-dncl.gc.ca\/en\" target=\"_blank\" rel=\"noopener noreferrer\">block all telemarketing calls Canada&#8217;s Do Not Call List<\/a>. While it won&#8217;t block calls from companies that use number mimicking software, it makes it illegal for telemarketers to contact you.<\/p><h4>Use a call blocking app<\/h4><p>Apps like Robokiller go a step further than the Do Not Call List by preventing numbers that appear to be spam from coming through. Some even have recordings you can play to waste spam callers&#8217; time. But it&#8217;s not always free \u2014 you might have to pay a monthly or annual fee to use the service.<\/p><h4>Report to the Canadian Anti-Fraud Centre<\/h4><p>You can file a report against fake debt collectors <a href=\"https:\/\/antifraudcentre-centreantifraude.ca\/report-signalez-eng.htm\" target=\"_blank\" rel=\"noopener noreferrer\">to the Canadian Anti-Fraud Centre<\/a> through its website, or by calling 1-888-495-8501. This might not prevent you from getting spam calls directly. But reporting these callers to the Canadian Anti-Fraud Centre gives them data they can use to fight fake debt collectors. You might not see results right away, but it could help us all fight spam and scam callers in the long run.<\/p><h3 id=\"scammed\">What can I do if I&#8217;ve been scammed?<\/h3><p>If you&#8217;re a victim of a debt collection scam, your main recourse for resolving the situation is to file reports against the company. You might be able to resolve the issue while also helping others avoid that scam.<\/p><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">File a complaint with the FCAC<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>The <a href=\"https:\/\/www.canada.ca\/en\/financial-consumer-agency\/corporate\/contact-us.html\" target=\"_blank\" rel=\"noopener noreferrer\">Financial Consumer Agency of Canada<\/a> handles complaints if you&#8217;re dealing with:<\/p><ol><li>the debt collection department of a federally regulated financial institution<\/li><li>a debt collection agency hired by a federally regulated financial institution<\/li><\/ol><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">File a complaint with your consumer affairs office<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>File a complaint with your <a href=\"https:\/\/www.ic.gc.ca\/eic\/site\/Oca-bc.nsf\/eng\/ca02982.html\" target=\"_blank\" rel=\"noopener noreferrer\">provincial or territorial consumer affairs office<\/a> if your creditor sold your debt to a collection agency and you want to make a complaint about the agency&#8217;s debt collection practices.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">File a complaint with the BBB<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>The Better Business Bureau (BBB) is a private nonprofit that works to protect consumers against unfair business practices. When you file a complaint, it reaches out to businesses to attempt to resolve the issue.<\/p><p>While it doesn&#8217;t have any legal authority, you can make your complaint available to the public, which can help other consumers make an informed decision. You can file a complaint by filling out a form on the BBB website. You&#8217;ll need the business&#8217;s mailing address and an email address to get started.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><h3>Bottom line<\/h3><p>While provincial and territorial laws protect consumers against debt collectors, scammers are still out there. Familiarizing yourself with common tricks and knowing the law are the best steps you can take to prevent yourself from becoming a victim.<\/p><p>Learn more about <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\/debt-management\" rel=\"noopener noreferrer\">managing your debt and how to get rid of it with our guide<\/a>.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">How long can a company try to collect a debt?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>The statute of limitations in Canada is 6 years although this can vary in specific situations by province.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">Can a debt collector ask for my Social Insurance Number?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>A debt collector will likely already has your Social Insurance Number \u2014 they&#8217;re allowed to pull your credit record in order to collect debt. Try to avoid giving out or confirming your Social Insurance Number to anyone who calls you from an unrecognized number. Instead, hang up and reach out to the collection agency directly yourself to learn if that call was legit.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000005\" data-toggle=\"collapse\" data-target=\"#accordion0000000005\">\n        <span class=\"luna-accordion__title\">Can I pay the original creditor instead of the collection agency?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000005\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>It depends on your specific situation. Some creditors hire collection agencies to go after borrowers who have defaulted. In this case, you can still pay your original creditor. But if your creditors sold the debt to a collection agency, you have to pay the agency, not your original creditor.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000006\" data-toggle=\"collapse\" data-target=\"#accordion0000000006\">\n        <span class=\"luna-accordion__title\">Can a collection agency take me to court?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000006\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes, a debt collector can sue you for the money you owe. However, this is a civil case, not a criminal case. This means it will not result in jail time unless the judge orders you to pay off the debt and you fail to comply.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000000\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000000\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div>","protected":false},"excerpt":{"rendered":"<p>Learn about 5 common debt collector scams, how to spot them and what to do if you&#8217;re a victim.<\/p>\n","protected":false},"author":806,"featured_media":1117201,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"post_is_fact_checked":"false","post_co_author":"392","post_co_author_date":"2025-02-04T15:06:10","post_co_author_manual_date_checked":null,"post_reviewer":"-1","post_reviewer_date":"","post_reviewer_manual_date_checked":null,"post_editor":"-1","post_editor_date":null,"post_author_date":"","post_author_manual_date_checked":"false","footnotes":""},"categories":[105406],"tags":[26621,5439,20750],"asset_tag":[],"class_list":["post-872108","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-debt-management","tag-debt-relief","tag-latest-3","tag-person-loans"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>5 Common Debt Collector Scams | Finder Canada<\/title>\n<meta name=\"description\" content=\"Is that debt collector scamming you? Learn about 5 common debt collector scams, how to spot them and what to do if you&#039;re a victim.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/ca\/personal-loans\/debt-management\/debt-collector-scams\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"5 common debt collector scams\" \/>\n<meta property=\"og:description\" content=\"Is that debt collector scamming you? 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