Short answer: report the scammer’s phone number to the FTC at 888-382-1222.
Long answer: it’s obnoxious and not very effective.
This morning I received a text message from a former client (yes, my clients can text me anytime, even years after their cases), and this is what she said:
So I have a question! We still have that 888 number calling hubby’s boss saying they are going to take legal action and ya da ya da! I called them today and spoke with someone. She said it’s from 2013 from hubby for a payday loan place, and that it can’t be included in that bk that was discharged because it was signed saying we weren’t planning filing bankruptcy and wouldn’t on that? It was included in that bk however! So is this a legit bill we need to take care of or was it included in that bk?
First, I reassured her that it was a scam. Unfortunately, after bankruptcy (or even outside of bankruptcy once the statute of limitations for debt collection has run), we still have shady collectors who sell off their bad debt to bad debt buyers. These companies will start calling you after a bankruptcy and saying that the debt wasn’t included, wasn’t discharged, and a police office is coming to your home in the next 10 minutes to arrest you if you don’t make a payment over the phone immediately.
Of course it’s a scam, but it’s still scary when you get the phone call.
When you get the call, don’t hesitate to contact your bankrutpcy attorney. He’ll tell you it’s a scam 99% of the time. It also gives you peace of mind.
The Federal Trade Commission FTC also has a great articles on this here: https://www.consumer.ftc.gov/articles/0076-phone-scams
On the FTC website, it recommends you also file a complaint with the Consumer Finance Protection Bureau CFPB either at