Increasingly, fraudsters are posing as legitimate debt collectors or attorneys and offering to accept a discounted amount to settle valid debts. They call unsuspecting consumers and are convincing. They typically know your social security number, your address, the amount of the debt, and the name of the creditor. They will claim to be from an organization with an official-sounding name. They will send you official-looking documents to sign. And, after you’ve paid, the real debt collector will still be able to pursue you for the full amount owed.