Collector Legitimacy Checker
Identify scam collectors and FDCPA violations instantly
Scam Protection
How This Works
Answer questions about your interaction with a debt collector. Our AI analyzes the behavior against FDCPA regulations and known scam patterns to give you a legitimacy score and actionable guidance.
Common Scam Red Flags
Demands gift card or wire transfer payment!
Threatens arrest or criminal prosecution!
Cannot provide written debt validation!
Refuses to give company name or address!
Pressures you to pay immediately
Calls outside 8 AM–9 PM hours
Uses threatening or abusive language
Claims to be law enforcement or government!
Debt amount doesn't match your records
Cannot name the original creditor
Signs of Legitimacy
Provides written notice within 5 days
Gives company name, address, and license number
Honors your debt validation request
Accepts cease-and-desist letters
Offers payment plans or settlement options
Does not threaten legal action they cannot take
Verify Collector License
Most states require debt collectors to be licensed. Check your state's financial regulator website to verify.
NMLS Consumer Access (nmlsconsumeraccess.org)
State Banking Department website
CFPB Complaint Database