Q: Is this debt collector legitimate and should I pay?
I received a call from a debt collector for a small debt of 167 dollars. I was given a registration code and website link to pay the debt. When I go to the website, it requires the last 4 of my SSN and my ZIP code. Is this information safe to give out and should I pay the debt to them? The collection agency is Transworld Systems Inc. and I never received a letter by mail.
A:
Transworld is big, and I wouldn't give them your information. Tell them you want to know the basis of the debt.
Who is it from. What's the documentation. etc. You want the dates of service, etc.
Get the address, write them a mail letter. keep a copy.
Your mantra is "you say I owe the money but you haven't shown me how or why. So why should I trust you with anything?" whatever they say repeat that.
For any calls note the date, time, who you spoke with, ask for last names--they want all your info, they should at least give you theirs. Admit to no responsibility for the debt. If they say it's recorded say you want a copy of the recording.
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