If you’ve received a call or text from 855-841-2870, you’re probably wondering whether it’s legitimate or a scam. After reviewing dozens of detailed reports from people who have received these messages, the answer is clear: 855-841-2870 is almost certainly part of a scam operation.

Here’s why:

1. The Pattern of Messages Is Highly Suspicious

Hundreds of people have reported receiving similar texts and calls from this number. The common elements include:

• Urgent language (“We must make contact immediately,” “Further action will be taken”).

• Mentions of overdue debts—usually medical bills or old credit cards.

• Threats of lawsuits, wage garnishment, or court summonses if the person doesn’t act quickly.

• Lack of clear information—they don’t name the hospital, the creditor, or give official proof.

• Pressure to pay immediately without verifying anything.

Red Flag:

Legitimate debt collectors must, by law (under the Fair Debt Collection Practices Act, or FDCPA), provide you with written proof of the debt and allow you to dispute it. Scammers, on the other hand, push for immediate payment without providing any legitimate documentation.

2. Many People Report Having No Connection to the Alleged Debts

A major warning sign is that:

• Many recipients say they never visited the hospital being referenced.

• Some were accused of owing debts under the wrong name.

• Others were threatened about debts from years ago—even decades—with no legitimate paper trail.

One person even reported that their ex-spouse’s name was used—someone they had divorced 20 years ago!

Red Flag:

Real collectors would not reach out to random people with little to no verification.

3. Legal Threats Over Text Messages Are Highly Unusual—and Often Illegal

Scammers know that legal threats scare people. But real legal action:

• Isn’t threatened casually over text.

• Requires formal legal notice through the courts, not random phone calls or vague texts.

• Would never demand payment immediately over the phone to “avoid court.”

One user smartly contacted the hospital directly and found out no debt existed. Others noted the scammers couldn’t even say when the supposed hospital visit occurred.

Red Flag:

If someone says, “Pay today or get sued,” and you haven’t received formal documentation by mail, it’s almost certainly a scam.

4. Final Thoughts: Should You Respond?

No, do not respond.
Not even to “STOP.” (Sometimes, texting STOP tells scammers that your number is active.)

Here’s what you should do instead:

• Block the number.

• Report the number by forwarding the scam text to 7726 (SPAM).

• Contact your state’s Attorney General’s office and file a complaint if you want to help authorities track these scammers.

• If you’re genuinely worried about old debts, contact your healthcare provider or creditor directly using a verified number—not the one in the text.

And remember:

No legitimate organization will ever threaten you into payment without first providing verifiable proof.

Quick Recap: