National Recoveries, Inc. is a legitimate company, they even work for the department of education, you can call and verify that as well. I've been paying them for my student loan debt and with out them i would have my wages garnished and taxes taken, so good luck on ignoring there calls. As far as verifying your personal information, they record every phone call and it is mandatory to make sure legally that they are speaking to the right person, so it is very necessary to give your name and last 4 of your ss number as well as any other information they ask for.