{"success":true,"data":{"id":"fake-debt-collection-scam","label":"Fake debt collection scam — arrest/warrant threat or gift-card payment demand for alleged debt","description":"Body contains a debt collection context — an alleged outstanding debt, unpaid balance, account sent to collections, or a law firm/attorney contacting about a delinquent account — AND an illegal pressure tactic that real debt collectors are prohibited from using under the FDCPA: an arrest/warrant threat (\"a warrant for your arrest has been issued\", \"federal agents will be dispatched\"), a criminal-charges framing for what is a civil consumer debt, or a demand to pay via gift cards, prepaid debit cards, Bitcoin, or wire transfer. The FDCPA explicitly prohibits threatening arrest for consumer debt — real collection agencies send written notice, include dispute rights, and accept payment via check, ACH, or credit card. If you receive a genuine debt collection notice, verify it at AnnualCreditReport.com or contact the original creditor directly — never pay an unsolicited email collector, especially with gift cards.","tier":"danger","category":"scam","isThin":false}}