How can I verify that a debt collector is legitimate?

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    • David S.
      Participant

        I have had several debt collection agencies call and send letters but to the best of my knowledge, I don’t owe what they are claiming. I am not sure what to make of this. How can I actually verify if the collector is legit?

      • Alex R.
        Participant

          The easiest way is to ask them for their information. Ask for the name of the person calling you as well as the company name, street address, and phone number. If you live in a state that requires debt collection agencies to carry a license, then ask for the number of that. If you want to make it easy on yourself, just tell them you refuse to discuss any debt until a validation notice is issued to you.

          • Molly Green
            Participant

              I never knew this! I would never have heard of asking for a letter. I even Googled it and you are 100% correct, this is a legit thing you can ask for and if they don’t supply it, you know they are lying! Nice!

          • Brie Anna
            Participant

              Yeah, you can simply start asking them questions. If they can’t answer them or give the wrong information, then you know. A lot of these places that try to scam people will have old names, old addresses, and get things wrong.

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