Debt Collection: How To Tell If A Caller Is Real - WSPA.com

Debt Collection: How To Tell If A Caller Is Real

Posted: Updated:
Target Emails Raise Questions About Legitimacy: We Get Answers Target Emails Raise Questions About Legitimacy: We Get Answers
GREENVILLE, S.C. -

A warning about bogus debt collectors.

The Department of Consumer Affairs says 7 million South Carolinians are vulnerable because of recent security breaches.

Scammers now equipped with your private information, could make you think you owe debt that you really don't.

So how do you know if a collector is legit? We got a rare glimpse into a real collection agency to find out how you can tell the difference.

As the owner of a debt collection company in Greenville, Eric Bergelson has gone through criminal, credit and FBI background checks, been fingerprinted, and had to obtain licenses in 25 states.

His agency, Dynamic Recovery Solutions, is so highly regulated, his employees had to turn off their monitors when we were there.

It's the scammers, he says that have given his industry a bad name and he wants to clear the record.

"A real collection agency won't go and elaborate with a story of how they might come in and file suit. We've heard stories of have you ever been to jail, things of that nature, heavy handed tactics are not what collection agencies that are legitimate do," said Bergelson.

We asked: "To figure out if a call is legitimate, what are the things that you should ask for?"

Bergelson: "An immediate validation of the debt. Any legitimate agency will be happy to send you a validation notice which will have the original creditor, the amount owed, and who to contact and any state disclosures that are necessary."

He also says real debt collectors must be licensed so get the

- full company name

- location

- and license number

Another thing to keep in mind.. If a caller claims you'll be arrested, you know right then and there it's bogus. The Department of Consumer Affairs says that's illegal, and there is no debtors prison in South Carolina.

In reality, real collectors may even be helpful.

We asked: "Will legitimate debt collectors negotiate with clients who owe money?

Bergelson: "Sure, they are happy to negotiate, they are happy in some cases to schedule out a payment plan or schedule out a payment plan or compromise the amount that is due, and in some cases they'll do both."

All you have to do is ask.

  • Top StoriesTop StoriesMore>>

  • Memorial For Broome Students Held Friday Night

    Memorial For Broome Students Held Friday Night

    Friday, August 22 2014 11:06 PM EDT2014-08-23 03:06:08 GMT
    Principals, students and teachers at Broome High School held a memorial service for three students who have died within the past year.
    Principals, students and teachers at Broome High School held a memorial service for three students who have died within the past year.
  • One Person Dead in Pelham Road Wreck

    One Person Dead in Pelham Road Wreck

    Friday, August 22 2014 9:28 PM EDT2014-08-23 01:28:03 GMT
    The Greenville County Coroner's Office confirms one person is dead after a wreck in the 1700 block of Pelham Road Friday night.The Greenville County Coroner's Office confirms one person is dead after a wreck in the 1700 block of Pelham Road Friday night.
    The Greenville County Coroner's Office confirms one person is dead after a wreck in the 1700 block of Pelham Road Friday night.
    The Greenville County Coroner's Office confirms one person is dead after a wreck in the 1700 block of Pelham Road Friday night.

  • Trooper Fired After Arrest Of NFL Player In Laurens Co.

    Trooper Fired After Arrest Of NFL Player In Laurens Co.

    Friday, August 22 2014 5:26 PM EDT2014-08-22 21:26:33 GMT
    S.C. Trooper L/Cpl. R.S. Salter who arrested Greenwood Native and now NFL player Sidney "Sam" Montgomery in the Upstate for speedingi in June in Laurens County has been fired.
    S.C. Trooper L/Cpl. R.S. Salter who arrested Greenwood Native and now NFL player Sidney "Sam" Montgomery in the Upstate for speedingi in June in Laurens County has been fired.
Powered by WorldNow

250 International Dr.
Spartanburg, S.C. 29303

Telephone: 864.576.7777
Fax: 864.587.5430
Email: webmaster@wspa.com

Can't find something?
Powered by WorldNow
All content © Copyright 2000 - 2014 Media General Communications Holdings, LLC. A Media General Company.