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Real debt collectors already know much of your information ? e.g., how much you owe, your address, social security number, birthday, etc. But debt collection scammers probably don't have all of your info already, so they'll ask for it. Debt Collection Scams | Office of the Attorney General Texas Attorney General (.gov) ? debt-collectio... Texas Attorney General (.gov) ? debt-collectio...
Legally, a debt collector has to send you a debt verification letter within five days of their first contact with you. And if not, you should ask for one. Why? Because it helps you determine if the debt is actually yours and if there's anything fishy going on behind the scenes.
Can you get sent to collections without a Social Security number? It's a common misconception that credit bureaus require an SSN to process reports. Collections agencies only need your name and address, along with the amount owed, to start impacting your credit score. Can a Gym Send You to Collections? - Credit.com credit.com ? blog ? will-your-gym-members... credit.com ? blog ? will-your-gym-members...
Although you can ask for many details, debt collectors are only required to provide information on the original creditor, the balance owed and the name of the person who owes the debt before resuming collection efforts. When Should You Get a Debt Validation Letter? - NerdWallet nerdwallet.com ? article ? finance ? debt-val... nerdwallet.com ? article ? finance ? debt-val...
If you feel you've been contacted in error, send a letter disputing a debt in writing. Ask the agency to stop contacting you. If the agency can't provide proof, you owe the money, by law, they must stop collection efforts. If you don't owe the bill, don't pay anything ? ever. Know Your Rights with Debt Collectors: Guidelines & Rules incharge.org ? credit-counseling ? bad-credit incharge.org ? credit-counseling ? bad-credit