Under the FDCPA Article 2.5 and under the California Rosenthal Act we as the creditor and collector can communicate with the spouse to discuss a customer’s loan. We will get the “spouse” of a debt holder contacting us, with regards to a loan, as the debt holder is in the hospital, or incarcerated.

How should we verify that we are actually are communicating with a spouse?.
What would be the best practices?