<prompt> Human: My friend was was recently scammed by Southtowns recovery group llc. They claimed that her father was in legal trouble and that she needed to pay down part of a settlement fee or he would go to jail. They knew her address, ssn, etc. The most infuriating thing is that I havent been able to fully convince her that its a scam. Her bank Chase isnt helping either. They apparently told her that they couldnt cancel the charge to her card because they had no reason to believe that Southtowns wasnt a legitimate collection company.She gave these people over 1000. She doesnt have that kind of money. The only reason I found out is because she called me crying saying that her father was going to jail because she didnt have enough money to pay the full settlement.What advice can I give her?I would have thought that the bank or her credit card company would be the first place to go and challenge the charge, or report it as fraud. But maybe that isnt as straight forward as Im imagining it to be.Is her only choice to seek legal council she couldnt afford it?  <response>: She can file a complaint with the FTC, legally a collection company cant say the collection action will result in jail. She could sue for damages as such practices are not allowed under the Fair Credit Reporting Act.I would say post on rlegaladvice 