If they haven’t already, demand that the collection agency first contact you in writing. First contact should never be by phone, and do not give out any personal information over the phone. The collection agency must provide you their name, telephone number, name of the creditor, the amount owed, when the debt was incurred, and who is responsible for the debt. You can also send them letters specifying how you want or don’t want to be contacted. If they are repeatedly calling you, calling you late at night, threatening you, or publicizing your debt to anyone other than a credit score agency, their behavior is likely illegal. Keep records of all communications and interactions and contact the Consumer Financial Protection Bureau.
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