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NOT PROTECTIVELY MARKEDPhantom Debt Fraud January 2018Copyright City of London Police 2018NFIB Disclaimer: While every effort is made to ensure the accuracy of the information or material contained
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How to fill out phantom debt fraud

01
Do not respond to any debt collection calls or emails unless you are certain that you owe the debt and the collector is legitimate.
02
Ask the debt collector to provide written proof of the debt, including the original creditor's name, the amount owed, and any other relevant information.
03
Research the collection agency to ensure they are a legitimate company. Look for reviews and complaints online and check if they are licensed to operate in your state.
04
If you do not recognize the debt or suspect it may be a phantom debt fraud, report the collector to the Federal Trade Commission (FTC) and your state's attorney general's office.
05
Keep detailed records of all communication with the debt collector, including dates, times, names, and any attempts to collect payment.
06
If you believe you are a victim of phantom debt fraud, consider contacting a consumer protection attorney who can guide you through the process of disputing the debt and protecting your rights.

Who needs phantom debt fraud?

01
Anyone who may be targeted by fraudsters posing as debt collectors needs to be aware of phantom debt fraud.
02
Individuals who owe debts but want to ensure they are dealing with legitimate collectors would also benefit from understanding the signs of phantom debt fraud.
03
It is important for consumers to be proactive and knowledgeable when it comes to dealing with debt collectors in order to avoid falling victim to phantom debt scams.
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Phantom debt fraud is a scam in which individuals are contacted about a debt that they do not actually owe.
Anyone who has been a victim of phantom debt fraud should report it to the appropriate authorities.
To report phantom debt fraud, individuals should gather any relevant information and documentation and submit a report to the Federal Trade Commission or the Consumer Financial Protection Bureau.
The purpose of phantom debt fraud is to deceive individuals into paying money for a debt that they do not actually owe.
When reporting phantom debt fraud, individuals should include details about the fraudulent debt collector, any communications received, and any payments made.
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