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A real collection agency knows something about your debt, or else will contact the original creditor themselves for information it doesn’t have.

A real collection agency will never tell you to contact the original creditor, for any reason.

Any legitimate collection agency will readily give you this information.

The caller refers you back to the original creditor for information.

They want your money no matter how you get it to them.

A scammer will usually insist on payment in a single way, for example, only allowing you to pay by credit card over the phone and refusing payment by any other method.

The firm is comprised of more than 100 attorneys and a support staff of roughly 200.(You have the legal right to request that a collection agency verify the amount and validity of a debt.) Someone answers the phone immediately when you call.Real collection agencies have complex phone systems, or receptionists, which route your call to a collection agent.You might actually owe money to American Express, and thus could believe the caller works for American Express.

The scam is that the caller actually has no relationship at all to American Express, and whatever money you fork over, isn't going to American Express.

Many people are unable to tell the difference between a legitimate collection agency and a scammer.