{"success":true,"data":{"id":"debt-collection-legal-threat-phish","label":"Fake debt collector or law firm issuing a final notice before legal action or lawsuit, demanding immediate payment to avoid wage garnishment — illegal collection tactics and advance-fee fraud; real debt collection is governed by FDCPA and requires postal written validation notices, not cold email payment links threatening immediate garnishment.","description":"Fake debt collector or law firm issuing a \"final notice before legal action\" claiming the recipient faces an imminent lawsuit or wage garnishment unless the overdue balance is paid immediately via email link — illegal collection tactics and advance-fee fraud. Real debt collection under the Fair Debt Collection Practices Act (FDCPA, 15 U.S.C. §1692) requires a written debt validation notice to be mailed within 5 days of first contact and prohibits false statements about legal proceedings or garnishment; real attorneys initiating litigation send process-server-delivered legal documents, not cold email payment links. The combination of \"final notice before lawsuit\" + \"wage garnishment\" + payment link from a non-law-firm domain is a consistent fraud pattern. Detection: final notice/legal action/lawsuit + pay overdue balance to avoid wage garnishment vocabulary + no List-Unsubscribe + no In-Reply-To + not protected sender. Trash score: +4. Source: GC1-R25; CFPB FDCPA debt collection rules; FTC fake debt collector scam advisory 2025; BBB fake legal threat debt collection patterns.","tier":"danger","category":"phishing","isThin":false}}