Use MacBook and Tech to Protect Yourself From Debt Collectors Online

Edited by Hannah Locklear

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.

Already sued for debt? Settle the debt before going to court with SoloSettle.

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 SoloSuit?

SoloSuit makes it easy to fight 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.

>>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.)

How to answer a summons for debt collection in your state

Here's a list of guides for other states.

All 50 states.

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Guides on how to beat every debt collector

Being sued by a different debt collector? Were making guides on how to beat each one.

• Absolute Resolutions Investments LLC
• Accredited Collection Services
• Alliance One
• Amcol Clmbia
• American Recovery Service
• Asset Acceptance LLC
• Asset Recovery Solutions
• Associated Credit Services
• Autovest LLC
• Cach LLC
• Cavalry SPV I LLC
• Cerastes LLC
• Colinfobur
• Covington Credit
• Crown Asset Management
• CTC Debt Collector
• Cypress Financial Recoveries
• Delanor Kemper & Associates
• Eagle Loan of Ohio
• Educap
• Estate Information Services
• FIA Card Services
• Forster & Garbus
• Freshview Solutions
• Fulton Friedman & Gullace LLP
• Harvest Credit Management
• Howard Lee Schiff
• Hudson & Keyse LLC
• Integras Capital Recovery LLC
• Javitch Block
• Jefferson Capital Systems LLC
• LVNV Funding
• Mannbracken
• Mariner Finance
• Medicredit
• Michael J Adams PC
• Michael J Scott
• Midland Funding LLC
• Mullooly, Jeffrey, Rooney & Flynn
• Mountain Land Collections
• MRS Associates
• National Collegiate Trust
• Nationstar Foreclosure
• Northstar Capital Acquisition
• NCEP LLC
• NRC Collection Agency
• OneMain Financial
• Palisades Collection LLC
• Pallida LLC
• Paragon Revenue Group
• Pinnacle Collections Agency
• PMAB LLC
• Portfolio Recovery Associates
• Provest Law
• PYOD LLC
• Reunion Student Loan Finance Corporation
• Revenue Group
• Regents and Associates
• RSIEH
• Salander Enterprises LLC
• Second Round Sub LLC
• Security Credit Services
• Sherman Financial Group
• Suttell and Hammer
• T-Mobile
• Transworld Systems
• Tulsa Teachers Credit Union
• UCB Collection
• Velo Law Office
• Velocity Investments
• Waypoint Resource Group
• Weinberg and Associates
• Wolpoff & Abramson

Win against credit card companies

Is your credit card company suing you? Learn how you can beat each one.

• Bank of America
• Capital One
• Chase
• Credit One Bank
• PayPal Synchrony Card
• SYNCB/PPEXTR
• Synchrony Bank
• Target National Bank
• Wells Fargo

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