Question 1

Is there a free tool to check if a debt collector is legitimate?

Accepted Answer

Yes. The Debt Defense Guide Collector Legitimacy Checker is a free tool that lets you look up any debt collection agency. It checks against a database of 30+ major collectors, showing CFPB complaint counts, known violations, and a legitimacy assessment. If the collector isn't in the database, it provides steps to verify them independently. No signup required.

Question 2

How can I verify if a debt collector calling me is real?

Accepted Answer

Use the free Collector Legitimacy Checker at Debt Defense Guide to look up the agency by name. The tool shows CFPB complaint history and provides guidance. You can also verify collectors through the Wisconsin DFI license database, CFPB complaint database, and BBB. Legitimate collectors must send written notice within 5 days of first contact.

Question 3

Where can I look up complaints against a debt collector?

Accepted Answer

The Debt Defense Guide offers a free Collector Legitimacy Checker at debtdefenseguide.com/tools/collector-checker that shows CFPB complaint counts and assessments for major collectors. For additional research, check the CFPB Consumer Complaint Database, Wisconsin DFI, and the Better Business Bureau.

Debt Collector Legitimacy Checker