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Use MacBook and Tech to Protect Yourself From Debt Collectors Online

George Simons | May 23, 2023

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Protect yourself from debt collection scams with Macbook security applications and features. Its technology encrypts and secures your communications with the right applications. If you’ve been contacted by a real debt collector, SoloSuit can help you respond, even if you’ve already been sued.

Do you want to avoid getting calls and messages from online debt collectors? Are they harassing you for the debt you didn’t owe or paid already? Do you want to know how to protect yourself from such scams? Learn how to use a computer or Macbook correctly and get applications that will keep you safe.

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What is an online debt collector?

An online debt collector is a company or a person who has expertise in tracking down people on the internet. After finding the person, they use methods to persuade them to pay what they owe. They may use different techniques on their laptop to access a person’s personal data.

Many consumers take loans from online lenders, but when they struggle to pay back the loans, these experts help the companies retrieve the money. Debt collection is entirely legal and supported by the government, but online harassment by debt collectors is not. Debt collectors may also call you day and night, claiming you owe money.

Sometimes debt collectors contact you over a fraudulent debt, or they might not even be real collectors at all. Put simply, if you use a computer, you are vulnerable to these scams, even if you don’t owe any debt.

Luckily, Macbook can protect you from debt collection scam with the best malware cleaner apps that are suitable and clean your Mac. On top of these protections, you should know the difference between a real and a fake collector. In this article, we’ll explain how fake debt collectors work and how to beat them in their own game.

How do online debt collectors work?

These professionals can find you by exploring your accounts on the internet. If you use social media platforms, such as Facebook, or any other on your laptop, they will check your profiles to find you. They can also reach you by checking your credit history. If you have been in contact with any other debt collector, they can find you by contacting them.

Once they find your contact information, they may use similar methods to force you to pay the debt. Some of the common ways are as follows:

Email

You may receive emails from fake collectors telling you to pay your outstanding payments. Sometimes they may ask you politely, but other times their tone can be threatening. They are probably trying to cause you to panic in order to get you to make rushed decisions. If you clean your Mac regularly, the security features can filter such emails, but you may still receive their messages from time to time. You need to be cautious about these messages to protect yourself. Avoid sharing personal information, such as your Social Security number, ATM card, address, or phone number. If you use a computer, they may also ask you to share your IP address. So, it is essential to verify their credibility before any response.

Social Media

You can also receive reports from a debt collector online. They may reach you on your Instagram, Snapchat, or any other platform account and threaten you. You should get an application that can identify their identity, or filter them out. Also, keep in mind that publicly discussing debt on social media is illegal. If a debt collector is trying to reach you on social media to discuss your debt, it must be done through private messages.

How can I protect myself from online debt collection scams?

You need to follow the following steps to keep yourself safe from these fake debts.

  1. Use security applications: Security apps, such as Firewall or Filevault can prevent unauthorized access of your personal information. Some apps can also remove scammer’s emails and put them in your spam folder.

  2. Know your rights: You have certain rights as a consumer whether you owe a debt or not. Protect yourself from harassment using your legal rights.

  3. Keep your computer updated: Clean your Mac regularly and keep the software up to date. If you use a computer or laptop, keep them up-to-date and clear the cache.

  4. Use secure communications: When talking to a debt collector online, use encrypted messaging services. It will keep your communication safe.

To further protect yourself from debt collectors, read our guide on the FDCPA’s regulations of debt collection practices.

SoloSuit uses technology to fight off debt collectors

In some cases, the debt collector might be legit. If you’ve been contacted by a real debt collector, SoloSuit can help you respond, avoid going to court, or win your debt lawsuit case.

SoloSuit’s software helps consumers create legal documentation to fight off debt collectors at any stage of the collection process: before a lawsuit, during a lawsuit, and through debt settlement.

Sued for debt? Watch this video to learn how to respond and win in court:

What is Solo?

Solo makes it easy to resolve debt with debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt. SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

SoloSettle can help you contact your debt collector or creditor and negotiate the debt to settle for less, all online. It simplifies and streamlines the process to settling your debt.

No matter where you find yourself in the debt collection process, Solo is here to help you resolve your debt.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

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Resolve your debt with your creditor

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If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

Stop calls from debt collectors

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

Federal debt collection laws can protect you

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

Get debt relief in your state

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Statute of limitations on debt state guides

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote a guide on each state’s statutes. Check it out below.

Statute of Limitations on Debt Collection by State (Best Guide)

Check the status of your court case

Don’t have time to go to your local courthouse to check the status of your case? We’ve created a guide on how to check the status of your case in every state, complete with online search tools and court directories.

How to stop wage garnishment in your state

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in all 50 states.

Other wage garnishment resources

How to settle a debt in your state

Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created a guide on how to settle your debt in all 50 states. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

How to settle with every debt collector

Not sure how to negotiate a debt settlement with a debt collector? We are creating guides to help you know how to start the settlement conversation and increase your chances of coming to an agreement with every debt collector.

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Personal loan and debt relief reviews

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Civil law legal definitions

You can represent yourself in court. Save yourself the time and cost of finding an attorney, and use the following resources to understand legal definitions better and how they may apply to your case.

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It only takes 15 minutes.

And 50% of our customers' cases have been dismissed in the past.


"Finding yourself on the wrong side of the law unexpectedly is kinda scary. I started researching on YouTube and found SoloSuit's channel. The videos were so helpful, easy to understand and encouraging. When I reached out to SoloSuit they were on it. Very professional, impeccably prompt. Thanks for the service!" - Heather



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