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Beware- Professional scammers. . By Law, debt collection agencies CANNOT call indivduals for debt collection. They can only call companies!!! These types of scammers will go to great lengths for a pay off. They can make web sites and set up locations to mkae themselves appear legit.... , but if they were they would NOT be calling. If I had to guess, this is NOT their only scam type. Other scam types would include Romance scams not listed, but here are the most common: http://financialhighway.com/7-most-common-types-of-scams/ How to spot debt collection scams: http://www.marke****ch.com/story/how-to-spot-debt-collection-scams-2011-02-18 How to report a scam: http://www.consumerfraudreporting.org/reporting.php