Debt collection: Know your rights, avoid scams

If a debt collector calls, do you know what to do? You have rights. Debt collectors can’t harass, lie, or treat you unfairly — even if you owe the debt. Before you pay, confirm a debt is actually yours — not someone else’s or a scam to get your money. Consider talking to the collector at least once to find out, even if you don’t think you owe the money. To help you avoid a scam, here’s what to do next.