In the process of collection, the collection agency may obtain the debtor's personal information through a variety of channels. Here are some possible ways:
Obtain directly from the debtor: During the collection process, the collector may ask the debtor to provide their personal information, such as ID number, home address, etc. Debtors may voluntarily provide this information for a variety of reasons, such as fear of being sued or being harassed.
Inquiries through public channels: Collectors may inquire about the debtor's personal information through public channels, such as courts, public record inquiry platforms, etc. These channels usually provide information such as the debtor's *** address.
Obtaining through third-party agencies: Collectors may cooperate with third-party agencies, such as credit bureaus, data companies, etc., to obtain the debtor's personal information. These institutions may obtain the debtor's personal information through various channels, such as big data analysis, web crawlers, etc.
It should be noted that when obtaining the debtor's personal information, the collector must comply with relevant laws, regulations and professional ethics, and shall not use illegal means to obtain the information, let alone disclose the information to a third party or use it for illegal purposes. At the same time, debtors should also protect their personal information from being used by criminals.