The Balance Looks Wrong.

Pause and record the facts

1. Do not make immediate payment to an unverified caller.
2. Record names, company, reference, amount and exact deadline or threat.
3. Preserve letters, emails, voicemails, screenshots and court papers.
4. Verify contact details independently.
5. For court, eviction, repossession, utility, tax or garnishment issues, seek qualified help promptly.