Securing Consumers Against Misrepresented Debt Act of 2020 or the SCAM Debt Act This bill provides additional requirements for debt collectors when taking legal action to collect a debt. Among other things, debt collectors must provide advance notice to the consumer of the intent to take legal action, and provide in the initial pleading certain evidence regarding the debt and a sworn affidavit stating that the statute of limitations has not expired. The bill also sets forth additional information a debt collector must provide to a consumer regarding the debt.