As a criminal defense lawyer, I often receive frantic calls. A family member was just hauled away by the cops, or the news just said the caller has been indicted, or the police are at the door with a search warrant. But one call gave me pause: “The sheriff is on his way to my house,” sobbed the woman on the phone, “and he’s going to arrest me unless I pay the debt collector. What should I do?”

I’ve received similar versions of this call since then, and they all end the same way. The sheriff never comes and the debt collector—if he isn’t just an outright fraud—lays low before calling a few days later with more threats and demands.