You'll see 10 real-looking debt-relief and debt-collection messages. Some are legitimate. Some are scams. Your job: flag the bad ones before they fool you. Every wrong answer reveals exactly which red flag you missed — and the FTC rule behind it.
🔒 Fully in-browser — no login required, no data sent anywhere.
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Spot the Scam
Scammers specifically target people in debt because they know desperation clouds judgment. This game trains your fraud radar using real tactics documented by the FTC and CFPB.
How to play
You'll see a message — email, text, letter, or phone script.
Decide: Scam or Legit.
See the explanation and which red flags fired.
10 rounds total. Score based on accuracy + speed bonus for streaks.
Educational game only. All messages in this game are fictional examples created for educational purposes. They are not quotes from real companies, real people, or real legal proceedings. The red-flag explanations are based on published FTC and CFPB guidance and the Fair Debt Collection Practices Act (FDCPA). This game does not constitute legal advice. If you have received a suspicious message, use the full Scam Detector tool and consult the official guidance at consumer.ftc.gov. DebtHelp, Inc. is a debt-settlement company, not a law firm.