You should be suspicious that a collection is fraudulent if:
The individual threatens violence, intimidation, or uses foul language. The Federal Debt Collection Practices Act specifically prohibits debt collectors from being abusive, unfair, or deceptive in trying to collect debt.
The individual threatens to garnish your wages.
The individual is unable or unwilling to provide loan agreement information or payment history when you ask for it. Loan providers are required to provide all loan agreement information or payment history when you ask for it. This includes but is not limited to a cash advance, payday loans, installment loans, title loans, or any online loan.