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How do I tell if a debt collector is legitimate or a scam?

A legitimate debt collector can tell you their company name and mailing address, as well as information about the debt they say you owe.

The debt collector should provide information about themselves and their collection agency. This can be a helpful way to know more about the debt, as well as tell whether or not it’s a scam.

To verify a debt collector, ask them to provide:

  • Their name
  • Company name
  • Company street address
  • Telephone number
  • Professional license number, if your state licenses debt collectors

To help you verify this information, you can find out more information about the collector through your state attorney general and state regulator.

Learn more about what information debt collectors need to provide

What are some warning signs of a debt collection scam?

Here are a few red flags signaling a debt collection call could be a scam: