Collection Agencies Phone Numbers

George Simons

May 07, 2021

Not another debt collector!

Summary:Tired of receiving calls from debt collectors and want to block their numbers? Or do you want to find out if the one who's been calling is legit? Here's how to find out the collection agencies' phone numbers!

If you are seeking collection agencies' phone numbers, there is a good chance you have been contacted by a debt collector concerning a delinquent account or unpaid bill. Many debt collection companies will initially attempt to contact you by sending a physical letter regarding the debt. If they do not receive a response, they will likely begin calling you over the phone (multiple times and throughout the day).

Getting a call from a debt collector can be overwhelming, stress-inducing, and intimidating. This is especially true if they call you out of the blue at a random time out of the day. If you are unprepared for this phone conversation, it can result in a bad outcome. For example, you could end up agreeing to pay for a debt you don't owe or paying more than the amount owed. There is also the risk that you could wind up getting into a heated argument with the debt collector which ultimately escalates the situation and you wind up having to go to court to resolve the debt.

Locating collection agencies' phone numbers is fairly simple. A contact number is typically included in any correspondence mailed to your residence. You can also locate a contact number by searching for the debt collection agency online. To ensure you are prepared for a phone conversation with a debt collector, take the following steps before making the call:

1. Know Your Rights and Legal Protections Under the FDCPA

The federal Fair Debt Collection Practices Act (FDCPA) sets forth specific limits and restrictions on what debt collectors can do and cannot do. For example, the FDCPA prohibits debt collectors from using obscene language or threatening you with violence if you do not agree to pay the debt. The FDCPA also sets limits on when and where a debt collector can contact you, along with restricting debt collectors from communicating with third parties about your debt. It is also important to research the relevant laws in your state concerning protections for consumers against harassing phone calls and other inappropriate forms of communications by debt collectors.

Don't let debt collectors push you around. Respond with SoloSuit.

2. Ask the Debt Collector About the Age of the Debt

During the call, you should make sure to ask the debt collector about the age of the debt. Why? If the debt being pursued is several years old, the applicable statute of limitations may have expired.

Generally, the statute of limitation commences when an individual last made a payment. However, the limitations period can also commence on the date you last used the account, made a promise to pay, entered a payment agreement, or even acknowledged liability for the debt.

The actual date depends on the type of debt and the state law where you live or the state specified in your credit agreement.

3. Take Notes During the Call With the Debt Collector

During the call, the debt collector will likely be taking notes. This is why you should too. Taking notes will be extremely beneficial if you wind up being sued by the debt collection agency and need to defend yourself in court. While taking note, here is some basic information you should make sure to write down:

  • Date and time of the phone call;
  • Name of the collector you spoke to;
  • Name and address of collection agency;
  • The amount you allegedly owe;
  • Name of the original creditor; and
  • Everything that was discussed in the phone call.

Use SoloSuit to respond to debt collection lawsuits and win in court.

4. Never Make a "Good Faith" Payment on a Debt

It is fairly common for a debt collector to ask for you to voluntarily make a small payment as an act of “good faith.” You might think that making this good faith payment will prevent the collector from suing you or help your credit. This is not the case. The only thing a small “good faith” payment will do is extend the statute of limitations for the debt owed. Why? Because in most states, the statute of limitations is reset to the day you made the last payment. Every new payment, no matter how small, could restart the limitations period.

Locating collection agencies' phone numbers is fairly straightforward. A contact number is generally included in any correspondence sent by a debt collection agency. You can locate a contact number by searching for the debt collection agency online. When you speak to the debt collector, make sure to take notes and do not agree to make any type of “good faith” payment toward the debt. You should also ask the debt collector to provide basic information about the purported debt, such as the name of the original creditor, the amount owed, the age of the debt, etc.

What is SoloSuit?

SoloSuit makes it easy to respond to a debt collection lawsuit.

How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James


Get Started


>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit: A Student Solution To Give Utah Debtors A Fighting Chance

How to Answer a Summons for Debt Collection Guides for Other States

Here's a list of guides for other states.

All 50 states.

Guides on How to Beat Every Debt Collector

Being sued by a different debt collector? We're making guides on how to beat each one.

Win Against Credit Card Companies

Is your credit card company suing you? Learn how you can beat each one.

Going to Court for Credit Card Debt — Key Tips

How to Negotiate Credit Card Debts

How to Settle a Credit Card Debt Lawsuit — Ultimate Guide

Get Answers to These FAQs

Need more info on statutes of limitations? Read our 50-state guide.

Why do debt collectors block their phone numbers?

How long do debt collectors take to respond to debt validation letters?

What are the biggest debt collector companies in the US?

Is Zombie Debt Still a Problem in 2019?

SoloSuit FAQ

If a car is repossessed, do I still owe the debt?

Is Portfolio Recovery Associates Legit?

Is There a Judgment Against Me Without my Knowledge?

Should I File Bankruptcy Before or After a Judgment?

What is a default judgment?— What do I do?

Summoned to Court for Medical Bills — What Do I Do?

What Happens If Someone Sues You and You Have No Money?

What Happens If You Never Answer Debt Collectors?

What Happens When a Debt Is Sold to a Collection Agency

What is a Stipulated Judgment?

What is the Deadline for a Defendant's Answer to Avoid a Default Judgment?

Can a Judgement Creditor Take my Car?

Can I Settle a Debt After Being Served?

Can I Stop Wage Garnishment?

Can You Appeal a Default Judgement?

Do I Need a Debt Collection Defense Attorney?

Do I Need a Payday Loans Lawyer?

Do student loans go away after 7 years? — Student Loan Debt Guide

Am I Responsible for My Spouse's Medical Debt?

Should I Marry Someone With Debt?

Can a Debt Collector Leave a Voicemail?

How Does Debt Assignment Work?

What Happens If a Defendant Does Not Pay a Judgment?

How Does Debt Assignment Work?

Can You Serve Someone with a Collections Lawsuit at Their Work?

What Is a Warrant in Debt?

How Many Times Can a Judgment be Renewed in Oklahoma?

Can an Eviction Be Reversed?

Does Debt Consolidation Have Risks?

What Happens If You Avoid Getting Served Court Papers?

Does Student Debt Die With You?

Can Debt Collectors Call You at Work in Texas?

How Much Do You Have to Be in Debt to File for Chapter 7?

What Is the Statute of Limitations on Debt in Washington?

How Long Does a Judgment Last?

Can Private Disability Payments Be Garnished?

Can Debt Collectors Call From Local Numbers?

Does the Fair Credit Reporting Act Work in Florida?

The Truth: Should You Never Pay a Debt Collection Agency?

Should You Communicate with a Debt Collector in Writing or by Telephone?

Do I Need a Debt Negotiator?

What Happens After a Motion for Default Is Filed?

Can a Process Server Leave a Summons Taped to My Door?

Learn More With These Additional Resources:

Need help managing your finances? Check out these resources.

How to Make a Debt Validation Letter - The Ultimate Guide

How to Make a Motion to Compel Arbitration Without an Attorney

How to Stop Wage Garnishment — Everything You Need to Know

How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)

Defending Yourself in Court Against a Debt Collector

Tips on you can to file an FDCPA lawsuit against a debt collection agency

Advice on how to answer a summons for debt collection.

Effective strategies for how to get back on track after a debt lawsuit

New Hampshire Statute of Limitations on Debt

Sample Cease and Desist Letter Against Debt Collectors

The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah

West Virginia Statute of Limitations on Debt

What debt collectors cannot do — FDCPA explained

Defending Yourself in Court Against Debt Collector

How to Liquidate Debt

Arkansas Statute of Limitations on Debt

You're Drowning in Debt — Here's How to Swim

Help! I'm Being Sued by My Debt Collector

How to Make a Motion to Vacate Judgment

How to Answer Summons for Debt Collection in Vermont

North Dakota Statute of Limitations on Debt

ClearPoint Debt Management Review

Indiana Statute of Limitations on Debt

Oregon Eviction Laws - What They Say

CuraDebt Debt Settlement Review

How to Write a Re-Aging Debt Letter

How to Appear in Court by Phone

How to Use the Doctrine of Unclean Hands

Debt Consolidation in Eugene, Oregon

Summoned to Court for Medical Bills? What to Do Next

How to Make a Debt Settlement Agreement

Received a 3-Day Eviction Notice? Here's What to Do

How to Answer a Lawsuit for Debt Collection

Tips for Leaving the Country With Unpaid Credit Card Debt

Kansas Statute of Limitations on Debt Collection

How to File in Small Claims Court in Iowa

How to File a Civil Answer in Kings County Supreme Court

Roseland Associates Debt Consolidation Review

How to Stop a Garnishment

Debt Eraser Review