1. Money

How can I find out which collection agency I owe?


If you know your debt has been sent to a collection agency, you can find out which collection agency you owe by calling the original creditor. Depending on whether the debt has been assigned or sold to a collection agency or junk debt buyer, the original creditor may not take payment from you or even discuss the account with you. But, they can tell you which collection agency you owe.

Check Your Credit Report

A second way to find out which collection agency you owe is to check your credit reports. Most collection agencies report debts to the credit bureaus, so you may find the name and phone number of the collection agency on your credit report. There’s no way to know if a particular collection agency reported your debt to one credit bureau or all three, so you’ll have to check all three of your credit reports.

When you check your credit report, you may discover other debt collections that you may not have known about. Make a list of all the collections so you can begin taking care of them.

Check Your Voicemail and Caller ID

If you’ve been getting phone calls from a debt collector, you may have been left a voice mail. This message would give the name or phone number of the collection agency. If you only have a phone number from your caller ID or voice mail, you can type the number into a search engine to see whether the number belongs to a collection agency. The search results may contain pages from 800notes.com or whocalled.us where other people have shared information about who called from that number and the nature of the call. 

You could call the number the number back, but be careful about calling collection agencies unprepared. Expect the debt collector attempt to collect payment from you once they get you on the phone.

Wait for Them to Call You

When you can’t find out anything from the original creditor, the debt’s not listed on your credit report, and you haven’t received phone calls about the debt, you can only wait for the debt collector to contact you. Old debts often switch to a different collection agency within several months, so eventually the debt will move to a collection agency that can be found using one of the methods listed above.

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