{"id":1677,"date":"2014-01-09T04:09:55","date_gmt":"2014-01-09T04:09:55","guid":{"rendered":"http:\/\/www.bankruptcylawyer-nj.com\/?p=1677"},"modified":"2021-12-26T23:57:14","modified_gmt":"2021-12-26T23:57:14","slug":"debt-collection-scam","status":"publish","type":"post","link":"https:\/\/www.bankruptcylawyer-nj.com\/2014\/01\/09\/debt-collection-scam\/","title":{"rendered":"New Jersey Debt Collection Scams Explained By A Bankruptcy Lawyer"},"content":{"rendered":"<p>Phantom Debt is the creation and collection of\u00a0fictitious\u00a0debt. \u00a0In other words, no debt exists.<br \/>\nA person that has substantial debt issues is less likely to confirm that a debt collector is legitimate. Based on this scenario, the scammer preys on non-suspecting individuals who are in default with a number of creditors. The scammer purchases the names and personal information of such victims. The scammer requests payment of the fictitious debt by way of elaborate collection letters or threatening telephone calls.<br \/>\nSometimes the scammer may attempt to collect a<a href=\"https:\/\/www.bankruptcylawyer-nj.com\/debt-after-the-bankruptcy-filing\/\"> debt that has been previously discharged in a bankruptcy case<\/a>.<br \/>\nRobert Manchel, a New Jersey bankruptcy attorney, can be contacted to discuss your questions regarding bankruptcy protection at\u00a01 (866) 503-5655.<\/p>","protected":false},"excerpt":{"rendered":"<p>Phantom Debt is the creation and collection of\u00a0fictitious\u00a0debt. \u00a0In other words, no debt exists. A person that has substantial debt issues is less likely to confirm that a debt collector is legitimate. Based on this scenario, the scammer preys on non-suspecting individuals who are in default with a number of creditors. The scammer purchases the [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[2],"tags":[],"class_list":{"0":"post-1677","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-general-bankruptcy-information","7":"entry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>NJ Debt Collection Scams Explained \u2013 Manchel New Jersey Bankruptcy Law<\/title>\n<meta name=\"description\" content=\"Phantom Debt is the creation and collection of\u00a0fictitious\u00a0debt. \u00a0In other words, no debt exists. A person that has substantial debt issues is less likely\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.bankruptcylawyer-nj.com\/2014\/01\/09\/debt-collection-scam\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"NJ Debt Collection Scams Explained \u2013 Manchel New Jersey Bankruptcy Law\" \/>\n<meta property=\"og:description\" content=\"Phantom Debt is the creation and collection of\u00a0fictitious\u00a0debt. \u00a0In other words, no debt exists. A person that has substantial debt issues is less likely\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.bankruptcylawyer-nj.com\/2014\/01\/09\/debt-collection-scam\/\" \/>\n<meta property=\"og:site_name\" content=\"New Jersey Bankruptcy Attorney - Robert Manchel, Esq.-Manchel New Jersey Bankruptcy Law\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Law-Offices-of-Robert-Manchel-107436425946369\/\" \/>\n<meta property=\"article:published_time\" content=\"2014-01-09T04:09:55+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-12-26T23:57:14+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.bankruptcylawyer-nj.com\/wp-content\/uploads\/2024\/11\/manchel-new-jersey-bankruptcy-law-social-share.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"950\" \/>\n\t<meta property=\"og:image:height\" content=\"500\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Robert Manchel\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@ManchelLaw\" \/>\n<meta name=\"twitter:site\" content=\"@ManchelLaw\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Robert Manchel\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.bankruptcylawyer-nj.com\/2014\/01\/09\/debt-collection-scam\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.bankruptcylawyer-nj.com\/2014\/01\/09\/debt-collection-scam\/\"},\"author\":{\"name\":\"Robert Manchel\",\"@id\":\"https:\/\/www.bankruptcylawyer-nj.com\/#\/schema\/person\/9eadb376274098279e956a993bff603e\"},\"headline\":\"New Jersey Debt Collection Scams Explained By A Bankruptcy Lawyer\",\"datePublished\":\"2014-01-09T04:09:55+00:00\",\"dateModified\":\"2021-12-26T23:57:14+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.bankruptcylawyer-nj.com\/2014\/01\/09\/debt-collection-scam\/\"},\"wordCount\":129,\"publisher\":{\"@id\":\"https:\/\/www.bankruptcylawyer-nj.com\/#organization\"},\"articleSection\":[\"General Bankruptcy Information\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.bankruptcylawyer-nj.com\/2014\/01\/09\/debt-collection-scam\/\",\"url\":\"https:\/\/www.bankruptcylawyer-nj.com\/2014\/01\/09\/debt-collection-scam\/\",\"name\":\"NJ Debt Collection Scams Explained \u2013 Manchel New Jersey Bankruptcy Law\",\"isPartOf\":{\"@id\":\"https:\/\/www.bankruptcylawyer-nj.com\/#website\"},\"datePublished\":\"2014-01-09T04:09:55+00:00\",\"dateModified\":\"2021-12-26T23:57:14+00:00\",\"description\":\"Phantom Debt is the creation and collection of\u00a0fictitious\u00a0debt. \u00a0In other words, no debt exists. A person that has substantial debt issues is less likely\",\"breadcrumb\":{\"@id\":\"https:\/\/www.bankruptcylawyer-nj.com\/2014\/01\/09\/debt-collection-scam\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.bankruptcylawyer-nj.com\/2014\/01\/09\/debt-collection-scam\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.bankruptcylawyer-nj.com\/2014\/01\/09\/debt-collection-scam\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.bankruptcylawyer-nj.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"New Jersey Debt Collection Scams Explained By A Bankruptcy Lawyer\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.bankruptcylawyer-nj.com\/#website\",\"url\":\"https:\/\/www.bankruptcylawyer-nj.com\/\",\"name\":\"New Jersey Bankruptcy Attorney - Robert Manchel, Esq.-Manchel New Jersey Bankruptcy Law\",\"description\":\"New Jersey bankruptcy attorney Robert Manchel, Esq. with 4 offices can help you now with Chapter 7 or Chapter 13 bankruptcy protection. Our NJ bankruptcy law firm services the State of New Jersey.\",\"publisher\":{\"@id\":\"https:\/\/www.bankruptcylawyer-nj.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.bankruptcylawyer-nj.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.bankruptcylawyer-nj.com\/#organization\",\"name\":\"Manchel New Jersey Bankruptcy Law\",\"url\":\"https:\/\/www.bankruptcylawyer-nj.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.bankruptcylawyer-nj.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.bankruptcylawyer-nj.com\/wp-content\/uploads\/2021\/06\/logo.jpg\",\"contentUrl\":\"https:\/\/www.bankruptcylawyer-nj.com\/wp-content\/uploads\/2021\/06\/logo.jpg\",\"width\":251,\"height\":107,\"caption\":\"Manchel New Jersey Bankruptcy Law\"},\"image\":{\"@id\":\"https:\/\/www.bankruptcylawyer-nj.com\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/Law-Offices-of-Robert-Manchel-107436425946369\/\",\"https:\/\/x.com\/ManchelLaw\",\"https:\/\/lawyers.justia.com\/lawyer\/robert-manchel-1385222\",\"https:\/\/www.linkedin.com\/in\/robertmanchelbankruptcylaw\",\"https:\/\/www.avvo.com\/attorneys\/08053-nj-robert-manchel-481439.html\",\"https:\/\/lawyers.findlaw.com\/profile\/view\/2930724_1\",\"https:\/\/www.hg.org\/attorney\/manchel-new-jersey-bankruptcy-law\/63998\",\"https:\/\/www.crunchbase.com\/organization\/the-law-office-of-robert-manchel\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.bankruptcylawyer-nj.com\/#\/schema\/person\/9eadb376274098279e956a993bff603e\",\"name\":\"Robert Manchel\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.bankruptcylawyer-nj.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/1d8f50cca1741c106a76e1035782b143?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/1d8f50cca1741c106a76e1035782b143?s=96&d=mm&r=g\",\"caption\":\"Robert Manchel\"},\"url\":\"https:\/\/www.bankruptcylawyer-nj.com\/author\/badmin\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"NJ Debt Collection Scams Explained \u2013 Manchel New Jersey Bankruptcy Law","description":"Phantom Debt is the creation and collection of\u00a0fictitious\u00a0debt. \u00a0In other words, no debt exists. A person that has substantial debt issues is less likely","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.bankruptcylawyer-nj.com\/2014\/01\/09\/debt-collection-scam\/","og_locale":"en_US","og_type":"article","og_title":"NJ Debt Collection Scams Explained \u2013 Manchel New Jersey Bankruptcy Law","og_description":"Phantom Debt is the creation and collection of\u00a0fictitious\u00a0debt. \u00a0In other words, no debt exists. A person that has substantial debt issues is less likely","og_url":"https:\/\/www.bankruptcylawyer-nj.com\/2014\/01\/09\/debt-collection-scam\/","og_site_name":"New Jersey Bankruptcy Attorney - Robert Manchel, Esq.-Manchel New Jersey Bankruptcy Law","article_publisher":"https:\/\/www.facebook.com\/Law-Offices-of-Robert-Manchel-107436425946369\/","article_published_time":"2014-01-09T04:09:55+00:00","article_modified_time":"2021-12-26T23:57:14+00:00","og_image":[{"width":950,"height":500,"url":"https:\/\/www.bankruptcylawyer-nj.com\/wp-content\/uploads\/2024\/11\/manchel-new-jersey-bankruptcy-law-social-share.jpg","type":"image\/jpeg"}],"author":"Robert Manchel","twitter_card":"summary_large_image","twitter_creator":"@ManchelLaw","twitter_site":"@ManchelLaw","twitter_misc":{"Written by":"Robert Manchel","Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.bankruptcylawyer-nj.com\/2014\/01\/09\/debt-collection-scam\/#article","isPartOf":{"@id":"https:\/\/www.bankruptcylawyer-nj.com\/2014\/01\/09\/debt-collection-scam\/"},"author":{"name":"Robert Manchel","@id":"https:\/\/www.bankruptcylawyer-nj.com\/#\/schema\/person\/9eadb376274098279e956a993bff603e"},"headline":"New Jersey Debt Collection Scams Explained By A Bankruptcy Lawyer","datePublished":"2014-01-09T04:09:55+00:00","dateModified":"2021-12-26T23:57:14+00:00","mainEntityOfPage":{"@id":"https:\/\/www.bankruptcylawyer-nj.com\/2014\/01\/09\/debt-collection-scam\/"},"wordCount":129,"publisher":{"@id":"https:\/\/www.bankruptcylawyer-nj.com\/#organization"},"articleSection":["General Bankruptcy Information"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.bankruptcylawyer-nj.com\/2014\/01\/09\/debt-collection-scam\/","url":"https:\/\/www.bankruptcylawyer-nj.com\/2014\/01\/09\/debt-collection-scam\/","name":"NJ Debt Collection Scams Explained \u2013 Manchel New Jersey Bankruptcy Law","isPartOf":{"@id":"https:\/\/www.bankruptcylawyer-nj.com\/#website"},"datePublished":"2014-01-09T04:09:55+00:00","dateModified":"2021-12-26T23:57:14+00:00","description":"Phantom Debt is the creation and collection of\u00a0fictitious\u00a0debt. \u00a0In other words, no debt exists. A person that has substantial debt issues is less likely","breadcrumb":{"@id":"https:\/\/www.bankruptcylawyer-nj.com\/2014\/01\/09\/debt-collection-scam\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.bankruptcylawyer-nj.com\/2014\/01\/09\/debt-collection-scam\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.bankruptcylawyer-nj.com\/2014\/01\/09\/debt-collection-scam\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.bankruptcylawyer-nj.com\/"},{"@type":"ListItem","position":2,"name":"New Jersey Debt Collection Scams Explained By A Bankruptcy Lawyer"}]},{"@type":"WebSite","@id":"https:\/\/www.bankruptcylawyer-nj.com\/#website","url":"https:\/\/www.bankruptcylawyer-nj.com\/","name":"New Jersey Bankruptcy Attorney - Robert Manchel, Esq.-Manchel New Jersey Bankruptcy Law","description":"New Jersey bankruptcy attorney Robert Manchel, Esq. with 4 offices can help you now with Chapter 7 or Chapter 13 bankruptcy protection. Our NJ bankruptcy law firm services the State of New Jersey.","publisher":{"@id":"https:\/\/www.bankruptcylawyer-nj.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.bankruptcylawyer-nj.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.bankruptcylawyer-nj.com\/#organization","name":"Manchel New Jersey Bankruptcy Law","url":"https:\/\/www.bankruptcylawyer-nj.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.bankruptcylawyer-nj.com\/#\/schema\/logo\/image\/","url":"https:\/\/www.bankruptcylawyer-nj.com\/wp-content\/uploads\/2021\/06\/logo.jpg","contentUrl":"https:\/\/www.bankruptcylawyer-nj.com\/wp-content\/uploads\/2021\/06\/logo.jpg","width":251,"height":107,"caption":"Manchel New Jersey Bankruptcy Law"},"image":{"@id":"https:\/\/www.bankruptcylawyer-nj.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/Law-Offices-of-Robert-Manchel-107436425946369\/","https:\/\/x.com\/ManchelLaw","https:\/\/lawyers.justia.com\/lawyer\/robert-manchel-1385222","https:\/\/www.linkedin.com\/in\/robertmanchelbankruptcylaw","https:\/\/www.avvo.com\/attorneys\/08053-nj-robert-manchel-481439.html","https:\/\/lawyers.findlaw.com\/profile\/view\/2930724_1","https:\/\/www.hg.org\/attorney\/manchel-new-jersey-bankruptcy-law\/63998","https:\/\/www.crunchbase.com\/organization\/the-law-office-of-robert-manchel"]},{"@type":"Person","@id":"https:\/\/www.bankruptcylawyer-nj.com\/#\/schema\/person\/9eadb376274098279e956a993bff603e","name":"Robert Manchel","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.bankruptcylawyer-nj.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/1d8f50cca1741c106a76e1035782b143?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/1d8f50cca1741c106a76e1035782b143?s=96&d=mm&r=g","caption":"Robert Manchel"},"url":"https:\/\/www.bankruptcylawyer-nj.com\/author\/badmin\/"}]}},"_links":{"self":[{"href":"https:\/\/www.bankruptcylawyer-nj.com\/wp-json\/wp\/v2\/posts\/1677","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bankruptcylawyer-nj.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bankruptcylawyer-nj.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bankruptcylawyer-nj.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bankruptcylawyer-nj.com\/wp-json\/wp\/v2\/comments?post=1677"}],"version-history":[{"count":1,"href":"https:\/\/www.bankruptcylawyer-nj.com\/wp-json\/wp\/v2\/posts\/1677\/revisions"}],"predecessor-version":[{"id":6708,"href":"https:\/\/www.bankruptcylawyer-nj.com\/wp-json\/wp\/v2\/posts\/1677\/revisions\/6708"}],"wp:attachment":[{"href":"https:\/\/www.bankruptcylawyer-nj.com\/wp-json\/wp\/v2\/media?parent=1677"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bankruptcylawyer-nj.com\/wp-json\/wp\/v2\/categories?post=1677"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bankruptcylawyer-nj.com\/wp-json\/wp\/v2\/tags?post=1677"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}