Late last night my phone lit up again with the same relentless ring. The caller kept demanding payment on a debt that doesn’t exist, using threats to scare you into compliance. This is a classic debt‑collection scam that relies on intimidation rather than legitimate verification. Hang up immediately and block the number; avoid giving any personal or financial details. Report the call to the FTC and your carrier, and consider filing a complaint with the Consumer Financial Protection Bureau. Keep a log of the calls and any messages, as documentation can help authorities track repeat offenders.