> It's great that you know the law. They know it, too. They don't. Or, if they do, they're actively violating the law by refusing to tell you what agency they

> It's great that you know the law. They know it, too. They don't. Or, if they do, they're actively violating the law by refusing to tell you what agency they were from. It's definitely an effective tactic to make enforcement of the law hard to impossible, but they are not working within the bounds of the law. From: https://www.creditkarma.com/advice/i/debt-collection-rights/ https://www.creditkarma.com/advice/i/debt-collection-rights/ > You have the right to ask for the debt collector’s name. > As noted above, debt collectors are also required to furnish the name of their company or agency. They cannot (legally) refuse to provide you the name of the collections agency. If they do so, I'm not even sure how you would be able to make a payment. If this were to happen, I might try to imply (without explicitly stating) that I wanted to make a payment, and then ask who I need to contact to figure out how to write a check. I'd then use whatever address/contact information they gave me to start researching them.