Someone From API Says I Need to Call Them Urgently About a Debt

Question:

Dear Steve,

I’ve received several calls from the same “unknown” number that is now showing up as a local number, and it is some kind of debt collector…I believe. The message left is from a C. Anderson at API, stating that I or my attorney need to contact him immediately for a time sensitive matter before further action is taken. I’ve tried to research the company but can’t find anything out and do not want to call back without knowing more.

Before I proceed further, have you ever heard of this company? Thank you!

Trista

Answer:

Dear Trista,

Next time they call I would suggest you answer the call and ask them for information about the company. DO NOT ADMIT ANYTHING ABOUT THE ALLEGED DEBT. They will try to scare you into making statements about the debt.

I would suggest you politely ask them something like, “Thank you for calling. I would love to try and assist you with your concerns. But first I need some specific information from you to verify your claims. What is your name? What company are you calling from? What is your street address? What is your debt collection license number in my state? What name are you registered to do business in my state? Once I can verify this information I will be happy to call you back. What number should I call and who should I ask for?”

If they provide you with any of this information, please post it in the comments below so I can deal with it. I suspect this is just a bullshit call and they will avoid answering your questions. I think that will tell you a lot.

Steve Rhode Debt Coach and Author

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

See Full Bio

Consumer Debt Consumer Bankruptcy How to Get out of Debt Money Troubles Money Personalities Budgeting Behavioral Economics Motivation Inspiration Money Management The History of Credit and Debt Getting Out of Debt Get Out of Debt Debt Settlement Credit Counseling Loan & Debt Relief Scams Debt Relief Industry Practices Exposing Deceptive Financial Services Helping Consumers Navigate Financial Hardship Consumer Advocacy Consumer Debt Expert Consumer Protection Debt Relief Scam Student Loan Bankruptcy Debt Validation Debt and Mental Health Student Loans Debt Consolidation Debt in the Military