Here’s why the debt collector isn’t giving you any information
“They refused to give me any information, so it must be a scam!”
When a debt collector gets someone on the phone, under the law, it is their obligation is to verify who they are speaking with. This law is called the Fair Debt Collection Practices Act (FDCPA).
When a consumer refuses to verify their identity, this often puts a strain on the conversation. The called party, often out of fear they will be scammed, will not share any information, and the collector, by law, cannot. This is where the verification showdown begins.
If you are the consumer of the account in question, a debt collector can only give you details about your debt after you confirm your identity. This is often done by verifying your:
- Date of birth
- Last-four digits of your social security number
- Complete mailing address
Once the verification process is complete, the agent can explain the status of your account, and the questions you may have about your debt can be answered.
If you are a family member, friend or employer of the consumer, you are considered a “third party.” A debt collector cannot give third parties any information, and the business name can only be disclosed if the third party asks. Third parties are often contacted for contact information about the first party (e.g., address, phone number, workplace).
For more information, please visit the BCFP’s debt collection resource page. While you’re there, check out this related article: Can debt collectors tell other people, like family, friends, or my employer, about my debt?
Stoneleigh Recovery Associates is not a court of law. This article should not be intended as legal advice. Laws change all the time. SRA will make its best effort to update Debt Education content as laws change.
Reference to any specific view, company, person (etc.) is for the information and convenience of the public, and does not constitute endorsement, recommendation, or favoring by Stoneleigh Recovery Associates.
Stoneleigh Recovery Associates is a debt collection company. To the extent that this is an attempt to collect a debt, please be advised that any information obtained will be used for those purposes. For more information, please visit our about us page.