Warnings are being issued to consumers to watch for persistent scammers who attempt to collect debts that don’t even exist.

When an unfamiliar voice on the phone informs you that you owe hundreds of dollars on an unpaid debt, a debt you don’t even recall having, what do you do? How do you know if the call is legitimate?

Anyone can fall victim to calls from fake debt collectors because the scammers are often very convincing. If you haven’t been doing a good job of keeping track of your debts, you could become easy prey.

Here are some tips on how you can protect yourself.