NEW YORK (AP) — Those mysterious debt collectors who call insisting you’ll be in legal peril if you don’t pay them big bucks are in hot water themselves, accused in a nationwide crackdown of harassing and threatening consumers, often about debts that don’t actually exist.

The Federal Trade Commission on Tuesday highlighted enforcement actions filed in recent months against two South Carolina-based debt collection firms accused of bilking people out of a combined $17.2 million, as well as settlements with three other firms accused of using pressure tactics and other shady practices.

Ironically, the firms that agreed to financial settlements were unable to pay the full amounts.

While consumer complaints about debt collectors have dropped slightly since the start of the coronavirus pandemic in March, the commission’s consumer protection chief, Andrew Smith, anticipates that will change as collectors increasingly target people experiencing crisis-related financial hardship.

Of more than 85,000 debt collection complaints from consumers this year, the FTC said nearly half pertained to debts that didn’t exist or to abusive and threatening practices.

“Now would be about the time that this would start — that we would start to see consumer complaints associated with financial distress caused by the pandemic,” Smith said. “This might be debt collection complaints; it also might be complaints about various credit repair organizations or debt relief, mortgage relief and debt settlement.”

The commission, working with other federal agencies and authorities in 16 states, is also launching a campaign to give consumers tips on what to do when confronted with a debt collection call. It includes a tip sheet with potential red flags, such as a collector refusing to provide the name of his or her company, the amount of debt or the original creditor.

New York Attorney General Letitia James, who joined a media conference call on the initiative, dubbed Operation Corrupt Collector, offered frank advice to older people who are often seen as easy marks for dubious dialers.

“Senior citizens, as I always say, they’ve earned the right to hang up and to be rude,” James said. “Most seniors are not rude, but when it comes to individuals engaging in illegal conduct, they should hang up and report the collector to the FTC immediately.”