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Many times scammers will pretend to be someone who they aren’t in order to gain the trust and love of another.Once they've done this they will capitalize on that trusting relationship by asking for money.Phone scammers like to target the most vulnerable people, usually this means that they look for elderly people, college students with debt, and immigrants.There are a number of different scams going around at the moment and new scams are constantly popping up.

If you actually do owe something you can send a formal letter via snail mail to the debt collector that’s working on behalf of your creditor and ask them to stop. If you believe it's a phony debt collector, you should still ask them for all of their information and on behalf of which creditor they are calling for.

You should also look up the name of the company or organization the caller claimed to be calling from and contact them directly to see if they are using telemarketers.

Most spammers and scammers won't be willing to give you their information, since they are after all breaking the law, this is also a dead giveaway that you've received a scam call.

As we've discussed in previous articles, there are a lot of different types of phone scams.

There's everything from lottery and sweepstakes scams to the IRS scam and warrant threats to fake charities.

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