<prompt> Human: Please let me know if this should be in rlegaladvice or if it is appropriate here. So, backstory. I spent a fair amount of my twenties making absolutely horrible financial decisions, many of which I cant remember. Last year, I made a resolution to go back and start making things right with my credit, paying off old debts on my credit report from smallest to largest and have made good headway. I stupidly opened a credit card in mid 2008, and never made more than a couple payments on it. The limit on the card was around 800, as I remember. I have not made efforts to begin paying this one back yet. Ive had many addresses since opening that card, and the most recent address that they have for me is from an apartment I lived in more than three years ago in a different state. I havent received correspondence from them since I can even remember. Today, I get a call from an agency called Multi State Recovery couldnt find anything on Google, they say they are calling on behalf of CHASE Bank, who are trying to sue for 6k on the grounds of failure of communication and fraud, and will be filing paperwork tomorrow for wage garnishment.I asked if they were willing to settle out of court, and was told that yes, they would settle for 1,000. This is great news to me! Another opportunity to continue fixing old mistakes. I ask if I could pay the balance over a few payments, and was told that that would be possible. The lady started asking for my bank information and when my next pay day was. I told her when my next pay day was, but that I wasnt going to give her any bank information without at least some sort of official correspondence, be it email, paper mail, etc. since I hadnt heard anything since moving out of state 3 years ago. Just something with a letterhead, as I dont just give out my bank account info to random people who call me, even if they do have the last four of my social and a reference to a real debt. She told me that once I give her my bank information routing number, account number and set up payment plan draft dates, a letter is generated that will be mailed to me, but she couldnt send me anything before then. This is where I started getting suspicious. They did have the last four of my social, and the correct dates of when I opened that credit card, but just how legit is this? She agreed and that she is cautious with her own finances, and pays all of her bills with prepaid credit cards from WalMart really??, and that if I wanted security then I could get a prepaid card and give her that information. WTF? She agreed to put a 24 hour hold on the paperwork to go ahead with the legal action. I do not want my wages garnished, I want to pay this real debt off, but why do I feel like there are so many red flags here? What can I say to them when I talk to them tomorrow that will give me a little more confidence that Im not getting totally scammed? Please advise, and thanks in advance!!  <response>: Zero information online about this Agency Nonexistent agency is trying to do some grunt legwork of one of the largest banks in the world Youve received nothing but a random phone call about this alleged debt; no official letters or any previous attempts at correspondence, and particularly not from the actual corporation you owed The relatively little information they have on you could feasibly be obtained from somewhere like a website or prior paperwork youve done, which doesnt 100 mean they have legitimate reason to go after youI admit that I have pretty much no knowledge about the legal stuff, like how debt collection works, but I DO know about social engineering aka scamming. And most of this smells an awful lot like it, to me. When something feels like it doesnt add up, it almost always means it truly doesnt. Theyre taking a vulnerability of yours and turning it into a threat against you that monetarily benefits them They dont know all of the information that they would need, and are trying to phish it out of you They are arbitrarily making this matter seem extremely urgent, which serves to make you rush and overlook inconsistencies and minimize the time that you would have to figure out the situation for what it isI would stay very frosty, my friend. 