Hi! I just saw your reblog about debt collection and I have a question. I’ve been getting texts asking me to click a link to find out more about debt I owe from X company. Is there a way to figure out if I actually have debt with that company short of trying to call them? Obviously I’m not clicking random links in spammy texts, but searching for the company online isn’t giving me enough info to tell if it’s feasible this might be actual debt I owe. The company I supposedly owe has no web presence other than a few listings in random directories, so I can’t tell if it’s legit or some weird scam. I also don’t see anything showing up on my credit report. The texts basically say:

Just a heads up people.  If you get calls from a phone# with an area code (844) or (888), and they insist you or someone you know owes debt, there’s a hefty chance its a scam.  I know you’re all responsible adults, but resist the urge to yell at these people, and also don’t share information with them - SS# or anything - over the phone.  Here’s a source for complaints.  Be safe people.

HYAHAHAAH I just fucked with some Indian dude calling to scam me out of my bank account. I wasted about 15 minutes of his time by agreeing to everything in between having "gut wrenching scream" sound effects followed by me screaming for them to "SHUT THE FUCK UP, OR I'LL FUCKING KILL YOU" I can't believe he didn't fall for it earlier. He asked if I wanted to give my credit card or my bank account number, and I said “Hmm Let’s do the uhh..let’s do the uhhh...let’s do the uhh x10″. When he asked for my bank account I gave him the number "666-666-66866" followed by the routing number "666" and still he didn't fall for it. He finally caught on when he asked for the bank name and I said "hold on it's...hold on (20 second pause) Bethpage Federal?" He hung up on me before I told him to get a real fucking job instead of trying to scam young women out of their money.

So my dad picks up the phone to one of those scam callers...