When trying to find a way to get in touch with you, this is where the collection agency starts. If you think about it, when you sign up for a credit card, loan, utilities or any other type of service, the company usually takes down your name and other information such as your phone number and address. If the information provided is current and valid, it makes the collector’s job much simpler. When it is not, however, they must use other means to find you.