If you are like many Floridians, you are struggling with some amount of debt. In some cases, this debt is manageable and you are able to adjust spending or find other solutions that allow you to pay down debt. However, this isn’t always possible. The debt can continue to rise and you can find yourself buried and desperate for some relief.

Sadly, there are people who take advantage of people in this difficult situation for their own personal gain. For example, reports have recently been made about scammers targeting people with student loans in an attempt to collect money via MoneyGram.

According to sources, unidentified parties are contacting people across the country with student loans and demanding payment. They have been posing as the FBI in an effort to scare people into sending them money. The scammers also evidently claim that unless a person makes a payment, they won’t be allowed to graduate or they could face arrest.

Scams like this are far too common. However, readers should understand that there are many things, including making threats, legitimate debt collectors cannot do. We have discussed many of these prohibited actions on this blog before, including our last post titled, “Can they do that? Debt collection practices that are prohibited.”

It is crucial to know what debt collectors can and cannot do because it can help you avoid falling victim to scams like the one targeting people with student loans. Not only are these operations typically unlawful, they can also make your financial situation even worse if you make an unnecessary payment.

It can be very common for consumers to be scared of debt collectors, particularly young people who do not have a lot of experience with resolving difficult financial issues. Whether a debt collector is legitimate or not, people can feel like they should do whatever a collector says without asking their own questions.

However, you do not have to deal with debt collectors or your financial problems alone. You can discuss your situation with an attorney who can advise you of your rights and the options you have to resolve debt and put a stop to creditor harassment.

Source:¬†WINK News, “Scammers target people with student loans,” Lindsey Sablan, Sept. 29, 2015