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Send the agency a letter by mail asking them to confirm their debt in writing. Search for the company name on the internet, review their website, call their number, etc. Do your homework. If they refuse to answer all of your questions, there's a good chance you're in the middle of a scam.
§1692g(a). The validation notice must inform consumers that, among other things, the debt collector will verify the debt if the consumer disputes it in writing and that, upon the consumer's written request, the debt collector will provide the name and address of the original creditor.
A legitimate debt collector should be able to 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.
Debt collectors using summons to entrap their consumers will typically issue summonses with limited legal language or terminology (if any at all). To verify legitimacy within a court summons, look for any type of confirmation of pending actions that exist between the various parties involved.
The DFPI regulates debt collection in the state of California. If a debt collector is contacting you or if a debt collector is lying or threatening you, you can quickly and easily file a complaint on the DFPI File a Complaint Webpage.
While debt validation requests can be a useful tool, they are not effective at resolving the issue. In most cases, creditors and collection agencies are able to provide the necessary documentation to prove the validity of the debt.
When a debt collector contacts you about a debt, they are legally required to provide information about that debt, including the name of the creditor, the amount owed, and your right to dispute it. There are some limited exceptions to this rule.
Receiving a collection letter can be considered the first step in the collection process that could lead to a lawsuit being filed against you to collect the debt. A collection agency from whom you have received a letter will typically turn the file over to an attorney if they are unable to acquire a payment.