- Jurisdiction
- Colorado
I have a question about whether a quasi legal internet scam company, probably based in India, but with an "office" in NY state would actually be able to issue a debt collection against me.
Details: I was phished by this company a couple months ago. They posed as the customer service of a well known North American airline, with their number being the first that came up on Google search. I was in a hurry to change details on a ticket and paid them around $200 for what turned out obviously to be a cheap fake of my original ticket (I had given them my reference number) with some "changes" made to a scanned copy. They made me sign a contract, which on later perusal of the small print, seems as if it justifies them providing no services at all, but the fraud was that they passed themselves off as this airline's representatives orally.
My bank later charged them back the amount.
But now they are emailing and threatening to issue a debt collection against me.
I have two questions: Would such a company be able to get a debt collection agency in the USA to pursue a collection against me? And, would it be easy to successfully challenge such a collection?
Or, should I give in to these scammer and pay up to avoid the risk of a credit score calamity?
Details: I was phished by this company a couple months ago. They posed as the customer service of a well known North American airline, with their number being the first that came up on Google search. I was in a hurry to change details on a ticket and paid them around $200 for what turned out obviously to be a cheap fake of my original ticket (I had given them my reference number) with some "changes" made to a scanned copy. They made me sign a contract, which on later perusal of the small print, seems as if it justifies them providing no services at all, but the fraud was that they passed themselves off as this airline's representatives orally.
My bank later charged them back the amount.
But now they are emailing and threatening to issue a debt collection against me.
I have two questions: Would such a company be able to get a debt collection agency in the USA to pursue a collection against me? And, would it be easy to successfully challenge such a collection?
Or, should I give in to these scammer and pay up to avoid the risk of a credit score calamity?