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Is Oxygen XL a Scam?

Oxygen XL is a legitimate debt collection company. Since 2011, we have proudly partnered with hundreds of clients across the country to assist in collecting unpaid debts. If you have been contacted by someone at Oxygen XL, it may be because you have missed one or more payments to the original creditor. We understand how frustrating it is to be contacted by a debt collector, and our goal is to make this process as seamless as possible for you.

Oxygen XL is an accredited member of ACA International, an organization that establishes ethical standards in the accounts receivable industry. Our team is comprised of dedicated professionals who will assist you in managing your unpaid debt. Don’t just take our word for it, check out our Google Reviews and see how clients just like you have had success managing their unpaid debt.

Here’s What You Should Ask First:

  • Who is calling?

Ask for the caller’s name, company, phone number, and physical address.

  • How much do I owe and who is the creditor?

Debt collectors must give you information such as the name of the creditor they represent and the amount you owe. A legitimate and professional debt collection agency, like Oxygen XL, will not withhold this valuable information from you.


Look For These Signs That It’s a Debt Collection Scam

  • Did they verify your identity?

The Fair Debt Collection Practices Act (FDCPA) places limits on who debt collectors can talk to about your debt. Once the collector has given you sufficient information about their company and who they represent, they should attempt to verify your identity. The information they request might include your full name, date of birth, and the last four digits of your social security number.

  • Did they threaten or harass you?

Lawful debt collection agencies follow the regulations outlined in the FDCPA. These regulations are in place to protect you from scammers who try to bully you into paying them or revealing your personal or financial information.

  • Did they ask you to provide personal and financial information?

You should never provide your bank account, routing numbers, or full social security number unless you are certain you are dealing with a legitimate debt collection organization. Scammers can use this information for identity theft.

  • Did they pressure you to pay with a money transfer or prepaid payment method?

This is a sure sign that you are dealing with a debt collection scam! These payment methods are untraceable and popular with scammers who claim to represent a legitimate collection agency.

Contact Us Today To Learn More

Visit the Consumer Financial Protection Bureau website to learn more about your rights. The CFPB protects consumers from unfair, misleading, and abusive debt collection practices. Our team at Oxygen XL leads with transparency. We are committed to helping you understand why you have been contacted and how to resolve it. Contact us today to learn more.

Address:1 Hillcrest Center Drive, Suite 314, Spring Valley, NY 10977-3745 USA

Email: collectionsppm@oxygenxl.com

Telephone: 845-407-0507

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