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A collection scam is a fraudulent act. Scammers pose as debt collectors. They often use threatening and illegal tactics to get people to pay debts they don't owe. In a typical scenario, the scammer contacts a person by phone or email. They claim to represent a legitimate debt collection agency. The scammer may have some personal information about the person. This can make the scam seem more convincing. The scammer demands immediate payment. They may threaten legal action or damage to the person's credit score. Payment methods requested often include wire transfers or prepaid debit cards. These methods are difficult to trace. Scammers often use high-pressure tactics. They try to rush the person into making a payment. This can make it harder for the person to realize it's a scam.