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How to Deal with Debt Collectors
It’s a situation no one wants to be in. Multiple phone calls throughout the day, always demanding that you make a payment for bills you can’t afford.
The constant messages left on your voicemail, the calls at your workplace or to friends and family, all of it quickly becomes both embarrassing and stressful.
No one likes dealing with debt collectors. But is there anything you can do about it? What are your legal rights when dealing with them?
In this article, we will cover the rules that debt collectors have to follow and what you can do to stop the constant harassment. Knowing how to deal with debt collectors can save you a lot of time, money, and stress.
What is a debt collection agency?
A debt collection agency, or debt collector, is a company that pursues debts on behalf of creditors.
Debt collectors employ many methods to get you to pay your debts, including collection calls and letters. And in some instances, lawsuits may lead to asset seizure or wage garnishments.
Types of Debt Collectors
There are two main types of debt collectors – third-party debt collectors and internal collection departments.
Internal Collection Departments
In most cases, you deal with the original lender or credit card issuer’s internal collection departments for the first 90 to 180 days that your debt is delinquent. The internal collection department is still your original creditor, though you will be speaking with agents specifically trained in debt collection versus customer support.
Depending on the debt collector, you may be able to negotiate a flexible payment plan and prevent harmful information from being reported to the credit bureaus.
Third-Party Debt Collectors
After 90 to 180 days, many companies will sell your debt to a third-party debt collector for pennies on the dollar. Others will contract a debt collector to act on their behalf – and they only get paid if you pay up.
Third-party debt collectors may or may not be able to negotiate. However, if your account has been sent to collections, you’re already looking at negative marks on your credit report.
Debt collectors are notorious for taking advantage of unwary consumers who make verbal agreements over the telephone. If you choose to negotiate with a debt collector on your own, you must get it in writing. Once you have an agreement in writing, you can make a payment.
Know Your Rights
There are strict regulations about what a debt collector can and cannot do in the United States. The Fair Debt Collection Practices Act (FDCPA) prevents the use of abusive or deceptive tactics to collect any debt, whether or not you actually owe it.
Knowing how to deal with debt collectors can help you spot predatory practices and make the whole process much smoother for you. Know your rights and how to use them.
Is it legal for debt collectors to call family members?
They are not allowed to speak to anyone about your debt other than you, your attorney, and in some cases, your spouse. However, they can call your friends or relatives in an attempt to find out where you live to get contact information so that they can phone or write you.
In most instances, they are only permitted to contact your friends or family members one time, and may not continue to make harassing phone calls.
Withholding Information About a Debt
Debt collectors can not legally withhold information from you about a debt. They are required to notify you in writing within five days of their first contact with you that you have the right to dispute the debt. In addition, you have the right to request the name and address of the original creditor.
You also have the right to request verification of the debt – that is, the name and address of the original creditor, along with how much money you owe. If the debt collector can’t provide this information, they cannot legally pursue payment.

Debt Collector Calls
Debt collectors can not keep calling you after you ask them to stop. But, just telling them over the phone won’t help. You have to submit the request in writing and it’s best to send it by certified mail.
After that, they can only contact you to let you know they will be ceasing collection efforts, or that they will be taking a specific action against you, such as filing a lawsuit.
Debt Collector Harassment
If a debct collector can’t prove that you owe a particular debt, then they aren’t allowed to try to collect it from you. This is particularly true in the case of identity theft – so long as you’ve filed the proper notices and reports.
Just because your name is on the paperwork, it doesn’t necessarily mean that the debt is yours. This is particularly the case if you have a very common name or relatives with similar or same-sounding names.
Always verify that a debt is legitimate before you let a debt collector pressure you into making a payment.
Wage Garnishment
Some states allow wage garnishment, while others do not. It is important to note that if you are in a state that does not allow wage garnishment, it is illegal for them to threaten to garnish your wages.
It is also illegal for them to make any claims they cannot or will not follow through on – this includes threatening to sue you or to foreclose on your home.
How Collections Affect Your Credit
Missed payments over several months will cause a hit to your credit score. Couple that with a collection account on your credit file and it can definitely impact your ability to qualify for new credit.
Debt collectors often buy and sell debt from one another, so this can lead to multiple collections showing on your credit reports for the same account.
When this happens, if you don’t dispute the error on your credit report, the collection account will definitely have a negative impact on your credit score.
Your Rights When Dealing with Debt Collectors
The Fair Debt Collection Practices Act provides you with many rights to ensure that debt collectors don’t take advantage of you. In particular:
- Debt validation. Under the FDCPA, you have the right to validate a debt. The debt collector reporting the information must prove to you, within 30 days, that the account is really your responsibility and the amount of money you owe is accurate.
- All personal debts are covered, including personal credit cards, auto loans, household bills, and mortgage payments.
- Debt collectors may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- They must be honest about who they are and what they are trying to do. They must notify you that they are a debt collector both orally and in writing.
- Debt collectors cannot threaten to have you arrested, and they are not allowed to threaten to take legal action if they have no intention of doing so.
It’s also important to note that the FDCPA covers all debt collectors, and in some cases, your original creditors as well.
If your original creditor attempts to collect a debt using a different company name, they are also subject to the provisions of the FDCPA, the same as an unrelated third-party collection agency.

More Tips on Dealing with Debt Collectors
Avoid the phone.
NEVER talk to a debt collector on the phone. Nothing good can come of it. The less they know about you, the better.
Politely tell them it’s your policy to deal with everything in writing and then hang up. If they keep calling, send them a cease & desist letter.
Record their calls.
If you must deal with debt collectors on the phone, record them. Thirty-five states and the District of Columbia allow you to tape your phone conversations secretly.
In the other 15 states, you can tape with the other party’s permission. If you tell the debt collector you are going to record, and they keep talking, that’s considered giving permission. They will usually hang up.
Don’t believe what they say.
Debt collectors are known to make false threats, lie, and tell you whatever they need to tell you to try to get you to pay the debt.
Don’t pay or try to negotiate with them during the debt validation process.
Make sure it has been validated before doing so.
Don’t try to hide money.
It’s considered fraudulent to hide money or assets from a legitimate debt collector if you owe them. However, it’s also best to avoid giving access to your bank account or credit card information.
Don’t apply for new lines of credit.
It’s also considered fraudulent to apply for new lines of credit if you are unable to pay your current creditors.
Don’t ignore them.
You can do things on your terms, but ignoring the situation will not make them go away. Ignoring them sets you up for a possible lawsuit.
Know Your State’s Statute of Limitations
Each state has a statute of limitations on debt. Once your debt reaches a certain age, it is considered “zombie debt” and you are no longer legally obligated to pay it. The age limit varies from state to state, but usually, it’s around 4-6 years.
Debt collectors are still allowed to contact you about these debts, but they can no longer sue you for them and you are not required to pay them.
Filing a Complaint Against a Debt Collector
First, get proof of the actions that they are taking. You may be able to record telephone conversations without their knowledge, depending on your state’s wiretapping laws.
If you live in one of the following states, you cannot record the conversation without notifying the collection agent: California, Connecticut, Delaware, Florida, Illinois, Maryland, Massachusetts, Michigan, Montana, New Hampshire, Pennsylvania, and Washington.
If you live in one of the states listed above, have a witness to listen in during the conversations so you have someone who can corroborate what was said.
File a Complaint with the FTC & CFPB
Once you have proof, file a complaint with the Federal Trade Commission (FTC) or the Consumer Financial Protection Bureau (CFPB). You can also file a complaint with your state attorney general’s office.
The FTC keeps a list of debt collectors that are banned due to illegal collection activity. At the time of this writing, there were more than 100 firms on the list. If one of these firms are contacting you, they are in clear violation of the law.
How to Remove Collections from Your Credit Report
If debt collectors are harassing you, chances are you already have collection on your credit report. Collection accounts can stay on your credit report for up to seven years.
Follow these 5 steps to get the collections removed.
Step 1
Get free copies of your credit reports. You can order free copies of your credit reports once a year from AnnualCreditReport.com.
Step 2
Review your credit report to see if the collection account was reported. If it was, confirm that the dates and amounts listed are correct.
If they aren’t, you can dispute this item on your credit profile. Note that the credit bureau’s dispute response time jumps from 30 to 45 days when you access your report from AnnualCreditReport.com instead of paying for it.
Step 3
Request that the collection agency validates the debt in question. While you are working on getting copies of your credit reports, don’t forget to request validation from them.
Remember, they must respond to your request within 30 to 45 days. If they don’t, then you’re off the hook for the debt.
Step 4
Dispute all errors with the credit bureaus. Any error on your credit file may be disputed. This includes the wrong dates, the wrong amounts, more than one collection agency reporting the same debt, or any items that are questionable.
Step 5
Keep track of your progress. There are multiple timetables involved in disputing an inaccurate item in your credit file. Keep track of what you’ve sent and when you’ve sent it to have the best option for removing these negative items from your credit profile.
List of Debt Collection Agencies in the United States
- 08 Synchrony Bank
- 09 Tempoe LLC
- 11 Charter Bright House
- 11 Charter Communications Collections
- 11 Comcast Cable Communications
- 11 Cox Communications
- 11 Sprint
- 12 Credit One Bank NA
- A1 Collections
- AAA Collections, Inc.
- AAFES Collections
- AAMS Collections
- Aargon Agency, Inc.
- ABC-Amega, Inc.
- Aberdeen Enterprizes II
- Ability Recovery Services
- Absolute Resolutions Corporation
- Accelerated Financial Solutions
- Accelerated Receivables Solutions
- Accelerated Servicing Group
- AcceptanceNOW Collections
- Access Receivables Management
- Account Control Technology
- Account Discovery Systems, LLC
- Account Management Resources
- Account Recovery Services
- Account Recovery Solutions
- Account Recovery Specialists, Inc.
- Account Resolution Corporation
- Account Resolution Services
- Account Services Collections
- Account Solutions Group
- Accounts Management, Inc.
- Accounts Receivable Solutions
- AccountsReceivable.com
- Accurate Collection Services
- Ace Cash Express Collections
- Ace Motor Acceptance Corp
- ACS Financial, LLC
- ACS Recovery Services
- Action Collection Agency of Boston
- Action Collection Service, Inc.
- Action Financial Services, LLC
- Ad Astra Recovery Services
- Adams, London & Weiss, LLC
- Admin Recovery, LLC
- Advanced Capital Solutions, Inc.
- Advanced Collection Bureau, Inc.
- Advanced Collection Services
- Advanced Recovery Services
- Advantage Financial Services
- Affiliate Asset Solutions, LLC
- Affiliated Acceptance Corporation
- Affiliated Creditors, Inc.
- Afni Collections
- AFS Acceptance, LLC
- AG Adjustments, Ltd
- Aldous & Associates, PLLC
- Aldridge Pite Haan, LLP
- Allen Daniel Associates
- Alliance Collection Agencies
- Alliance Group & Associates
- Alliance One
- Alliant Capital Management
- Allied Collection Service, Inc.
- Allied International Credit Corp
- Allied Interstate
- Alltran Financial
- Alpha Recovery Corp
- Alpine Credit
- Altus Global Trade Solutions
- ALW Sourcing, LLC
- AMCOL Systems
- AmerAssist
- American Accounts & Advisors
- American Adjustment Bureau
- American Collection Services
- American Collection Systems
- American Collections Enterprise
- American Coradius International
- American Credit Bureau, Inc.
- American Education Services
- American Express Collections
- American Medical Collection Agency
- American Profit Recovery
- American Recovery Service
- American Web Loan Collections
- Americollect
- AmeriFinancial Solutions
- Amerisol Collections
- AmSher
- Apelles
- Apex Asset Management
- AR Resources
- ARC Management Group
- Arcadia Recovery Bureau
- ARG Resolutions & Processing Services
- ARM Solutions
- Armada Corp
- Armstrong & Associates, Inc.
- ARS National Services
- ARstrat
- Ascendium Collections
- Ascensionpoint Recovery Services
- Aspen National Collections
- Asset Acceptance, LLC
- Asset Recovery Associates
- Asset Recovery Group
- Asset Recovery Solutions
- AssetCare, LLC
- Associated Credit Services, Inc.
- Assurant Recovery Solutions
- AT&T Collections Agency
- ATG Credit
- Atlantic Collection Agency
- Atlantic Credit & Finance, Inc.
- Atlantic Recovery Solutions
- Atlas Collections, Inc.
- Audit Systems, Inc.
- Automated Accounts, Inc.
- Automated Collection Services, Inc.
- Autovest LLC
- Avante USA
- AWA Collections
- Baker Recovery, Inc.
- Baker, Govern & Baker, Inc.
- Balanced Healthcare Receivables
- Bank of America Collections
- BARR Credit Services
- Bass & Associates
- Baxter Bailey & Associates
- Bay Area Credit Service, LLC
- Bay Area Receivables
- Bayside Capital Services
- BC Services, Inc.
- BCA Financial Services
- Benuck & Rainey
- Berks Credit & Collections, Inc.
- Berlin-Wheeler
- Berman & Rabin, P.A.
- BGE Collections
- Blitt and Gaines
- Bonneville Collections
- Brennan and Clark
- BRG Collections
- Brown & Joseph
- Bryant, Hodge & Associates
- Bull City Financial
- Bureau of Account Management
- Bureau of Medical Economics
- Burr & Reid
- BYL Collections
- C.Tech Collections
- C2C Resources
- CAC Financial Corp
- CACH LLC
- Caine & Weiner
- California Business Bureau
- Capio Partners
- Capital Accounts, LLC
- Capital Link Management
- Capital Management Services
- Capital One Collections
- Capital Recovery Corporation
- Capital Recovery Systems
- Carson Smithfield
- Carter-Young
- Cascade Capital
- Cascade Collections, Inc.
- Cash Store Collections
- Cavalry Portfolio Services
- Cavalry SPV I LLC
- CBC, LLC
- CBCS Collections
- CBE Group
- CBS Collections
- CBSA Collections
- CCB Credit Services
- CCS Offices
- Central Credit Services
- Central Financial Control
- Central Portfolio Control
- Central Research, Inc.
- Central States Recovery
- Centron Services
- Century Financial Services
- CenturyLink Collections
- Challenge Financial Services, Inc.
- Chaplain Financial Services
- Chapman Financial Services
- Chase Collections
- Chase Receivables
- Check ‘N Go Collections
- CheckRedi
- Choice Recovery
- CKS Financial
- Clark County Collection Service
- Clear Recovery
- Client Financial Services of Michigan
- Client Services, Inc
- CMRE Financial Services
- Coachella Valley Collection Service
- Coast Professional, Inc.
- Coast to Coast Financial Solutions, Inc.
- Collectech Diversified
- Collection Bureau of America
- Collection Bureau of FWB
- Collection Bureau of Hudson Valley
- Collection Bureau, Inc.
- Collection Center, Inc.
- Collection Consultants of California
- Collection Information Bureau
- Collection Professionals, Inc.
- Collection Recovery Services, Inc.
- Collection Services of Athens
- Collection Services, Inc.
- Collections USA, Inc.
- Columbia Collection Service, Inc.
- Comcast Collections
- Commonwealth Financial Systems
- Complete Payment Recovery Services
- Congress Collection
- ConServe
- Consumer Adjustment Company
- Consumer Collection Management
- Continental Collection Agency
- Continental Credit Control
- Contract Callers Inc
- Controlled Credit Corporation
- Convergent Outsourcing
- Cooling & Winter, LLC
- Cornerstone Credit Services
- Covington Credit
- Cox Collections
- Credence Resource Management
- Credit Adjustment Board, Inc.
- Credit Adjustments, Inc.
- Credit Bureau Associates
- Credit Bureau of Bessemer, Inc.
- Credit Bureau of North America
- Credit Bureau of the South, Inc.
- Credit Bureau Services of Iowa, Inc.
- Credit Bureau Systems, Inc.
- Credit Clearing House of America, Inc.
- Credit Collection Partners (CCP)
- Credit Collection Services (CCS)
- Credit Collections Bureau
- Credit Collections USA, LLC
- Credit Control Corporation
- Credit Control, LLC
- Credit Corp Solutions
- Credit Management Company
- Credit Management Control, Inc.
- Credit Management LP
- Credit Management Services, Inc.
- Credit Protection Association, LP
- Credit Service Company, Inc.
- Credit Service International
- Credit Solutions, LLC
- Credit Systems International, Inc.
- Credit World Services
- Creditors Bureau USA
- Creditors Collection Service
- CRF Solutions
- Crown Asset Management
- CU Recovery
- D&A Services
- D2 Management
- DCI Credit Services, Inc.
- DCM Services
- Debski & Associates, P.A.
- Debt Recovery Solutions
- Delivery Financial Services
- Delta Financial Services
- Delta Management Associates
- Delta Outsource Group
- Designed Receivable Solutions
- Deville Asset Management
- Direct Recovery Services
- DirecTV Collections
- Dish Network Collections
- Diversified Adjustment Service, Inc.
- Diversified Collection Service
- Diversified Consultants
- Diversified Credit Systems
- Diversified Recovery Bureau, LLC
- DNF Associates, LLC
- Doctors Business Bureau
- Douglas, Chancellor, Meyers & Associates, LLC
- Dyck-O’Neal
- Dynamic Collectors
- Dynamic Recovery Solutions
- Eagle Recovery Associates
- Eastern Account System
- Eastpoint Recovery Group, Inc.
- eBay Collections
- EGS Financial Care, Inc.
- Elevate Recoveries
- Emerald AR Systems
- Encore Exchange
- Encore Receivable Management, Inc.
- Enhanced Recovery Company
- Enhancrcvrco Collections
- Enterprise Collections
- EOS CCA
- Equinox Collection Services
- ER Solutions
- Escallate, LLC
- Estate Information Services
- Everest Receivable Services
- Evergreen Financial Services
- Evergreen Professional Recoveries
- Exeter Finance
- Express Recovery Services
- Faber and Brand, LLC
- Fair Collections and Outsourcing
- Fairway Collections
- FBCS
- Federal Bond Collection Services
- FFCC Cleveland
- FH Cann & Associates
- Fidelity National Collections
- Finance System of Richmond
- Finance System of Toledo, Inc.
- Financial Adjustment Bureau, Inc.
- Financial Asset Management Systems, Inc.
- Financial Corporation of America
- Financial Credit Network
- Financial Data Systems
- Financial Recoveries, Inc.
- Financial Recovery Services
- Fingerhut Collections
- First Collection Services
- First Federal Credit Control
- First Financial Asset Management
- First National Collection Bureau
- FirstPoint Collection Resources
- Firstsource Advantage
- FMA Alliance
- FMS Financial Solutions
- FMS Investment Corp
- FMS, Inc.
- Focus Receivables Management
- Focused Recovery Solutions
- Ford Credit Collections
- Forster & Garbus, LLP
- Foster and Monroe
- Fox Collection Center
- Franklin Collection Service
- Frontier Collections
- Frontline Asset Strategies
- Frost-Arnett
- Fulton, Friedman & Gullace, LLP
- Galaxy International Purchasing
- Gatestone & Co.
- GB Collects, LLC
- GC Services
- GEM Recovery Systems
- General Revenue Corporation
- General Service Bureau
- Genesis Credit Management
- George Brown Associates, Inc.
- Getix Health
- Gila, LLC
- GLA Collections
- Glass Mountain Capital, LLC
- Glasser and Glasser, P.L.C.
- Global Credit & Collection Corp
- Global Credit Network
- Global Crossing Local Services
- Global International, Inc.
- Global Mediation Group
- Global Receivables Solutions
- Global Trust Management
- Gold Key Credit
- Gordon Thomas and Associates, Inc.
- Grant & Weber
- Grant Mercantile Agency
- Great Lakes Collection Agency
- Greenberg, Grant & Richards, Inc.
- Gregory Funding, LLC
- Grimm Collections
- Gulf Coast Collection Bureau
- Gurstel Law Firm
- H & R Accounts, Inc.
- Halsted Financial Services
- Harris and Harris
- Harvard Collection Services
- Hauge Associates
- Health Services Asset Management
- Healthcare Receivables Group
- Healthcare Revenue Recovery Group
- Helvey & Associates
- Hewitt Capital, LLC
- Hillcrest Credit Agency
- Hillcrest, Davidson & Associates
- Hollis Cobb Associates
- Holloway Credit Solutions
- HP Sears
- HSBC Collections
- Hunt & Henriques
- Hunter Warfield
- IC System Inc.
- Ideal Collection Services
- Illinois Collections, Inc.
- IMC Credit Services
- Immediate Credit Recovery
- Independent Recovery Resources, Inc.
- InPhyNet Contracting Services
- Integral Recoveries, Inc.
- International Credit Recovery
- International Recovery Partners & Associates
- Interstate Credit Collections
- Interstate Recovery Service, Inc.
- Investment Retrievers, Inc.
- IQ Data International
- J&L Teamworks
- Jaffe & Asher, LLP
- Javitch Block, LLC
- Jefferson Capital Systems
- JH Portfolio Debt Equities
- JJ Marshall & Associates, Inc.
- JNR Adjustment Company
- Johnson Mark LLC
- Joseph, Mann, & Creed
- JP Recovery Services, Inc.
- JPL Recovery Solutions
- Kansas Counselors
- Kay Jewelers Collections
- Kelley & Ryan Associates, Inc.
- Key 2 Recovery
- KeyBridge Medical Revenue Care
- Keynote Consulting, Inc.
- Keystone Collections Group
- Keystone Law LLC
- Kinum, Inc.
- KLS Financial Services
- Knight Adjustment Bureau
- Kramer & Frank, P.C
- Kross, Lieberman & Stone, Inc.
- L J Ross Associates
- Lanier Collection Agency
- LCA Collections
- Linebarger, Goggan, Blair & Sampson, LLP
- Lloyd & McDaniel, PLC
- Lockhart, Morris & Montgomery
- London, Reese & Thomas
- LTD Financial Services
- LVNV Funding LLC
- Machol & Johannes, LLC
- Malcolm S. Gerald & Associates
- Marcadis Singer, PA
- Marcam Associates
- MARS Collection Agency
- Martini, Hughes & Grossman
- MBA Law Offices
- McCarthy, Burgess & Wolff
- Meade & Associates
- Med Shield, Inc.
- MED-1 Solutions
- MEDCAH
- Mediation Processing Services
- Medical Business Bureau
- Medical Data Systems, Inc.
- Medical Financial Solutions
- Medicredit
- Mercantile Adjustment Bureau
- Merchants Adjustment Service
- Merchants Credit Adjusters
- Merchants Credit Association
- Merchants Credit Guide
- Meridian Financial Services
- Merrick Bank Corp
- Messerli & Kramer
- MG Credit, Inc.
- MGM Collections
- Mid-South Adjustment Co.
- Midland Credit Management
- Midwest Fidelity Services, LLC
- Midwest Receivable Solutions
- Midwest Recovery Systems
- Midwest Service Bureau
- Millennium Financial Group
- Miller, Stark, Klein & Associates
- MiraMed Revenue Group
- MLR Solutions
- Mnet Financial
- Monarch Recovery Management
- Monterey Financial Services
- Morgan & Associates
- Mountain Land Collections
- Mountain Run Solutions
- MRS Associates
- MRS BPO LLC
- MS Services, LLC
- MSCB
- Mullooly, Jeffrey, Rooney & Flynn, LLP
- Municipal Collection Services
- Municipal Services Bureau
- Nathan & Nathan, P.C.
- National Asset Recovery Systems
- National Business Factors
- National Credit Adjusters
- National Credit Management
- National Credit Services
- National Credit Systems
- National Enterprise Systems
- National Recoveries, Inc. (NRI)
- National Recovery Agency
- National Recovery Solutions
- National Service Bureau
- Nationwide Credit
- Nationwide Credit & Collection
- Nationwide Recovery Service
- Nationwide Recovery Systems
- Natlcrsys
- NCB Management Services, Inc.
- NCC Business Services
- NCC Collections
- NCEP, LLC
- NCO Financial Systems
- NCSPlus Incorporated
- Nelnet Collections
- New Britain Financial Services
- New Era Asset Management
- North American Credit Services
- North American Recovery
- North Shore Agency
- Northern Alliance Management, LLC
- Northland Group
- Northstar Location Services
- Northtown Capital Services Group
- Northwest Financial Services
- Northwood Asset Management Group
- NPAS Solutions
- OAC Collections
- Oliphant Financial, LLC
- Olympic Collection, Inc.
- Omega RMS, LLC
- One Advantage, LLC
- Online Collections GRVL
- Online In Sv
- Optimum Outcomes
- Optio Solutions, LLC
- Orion Portfolio Services
- Outsource Receivables, Inc.
- Overton, Russell, Doerr and Donovan
- P&B Capital Group
- Pacific Collection Group
- Pacific Credit Services
- Palisades Collection, LLC
- Paragon Revenue Group
- Paramount Recovery Systems
- Parking Revenue Recovery Services
- Patenaude & Felix
- Paul Michael Marketing
- Payliance
- Paypal Collections
- PDQ Services
- Pendrick Capital Partners
- Penn Credit Corporation
- Performant Recovery
- Peroutka, Miller, Klima & Peters, P.A.
- Peter Roberts & Associates
- Phillips & Cohen Associates
- Phoenix Financial Services
- Phoenix Recovery Group
- Pinnacle Credit Services
- Pinnacle Recovery
- Pioneer Credit Recovery
- PlusFour, Inc.
- PMAB LLC
- Portfolio Recovery Associates
- PRA Receivables Management, LLC
- Premiere Credit of North America
- Pressler & Pressler
- Prince-Parker & Associates
- ProCollect
- Professional Account Management
- Professional Account Services, Inc.
- Professional Adjustment Bureau
- Professional Bureau of Collections of Maryland
- Professional Choice Recovery, Inc.
- Professional Claims Bureau, Inc.
- Professional Credit Management, Inc.
- Professional Credit Service
- Professional Debt Mediation
- Professional Finance Company
- Professional Placement Services, LLC
- Professional Recovery Consultants
- Professional Service Bureau
- Profit Services Group
- Progressive Financial Services
- Progressive Management Systems
- Puget Sound Collections
- Quad Corporation
- Qualia Collection Services
- Quality Asset Recovery
- Quantum Collections
- Quick Collect
- Radius Global Solutions
- Rapid Recovery Agency
- Rapid Recovery Solutions
- Rash Curtis & Associates
- Rauch-Milliken International
- Rausch Sturm
- Ray Klein, Inc.
- Razor Capital
- RCS Capital Partners, Inc.
- RCVL PER MNG
- Real Time Resolutions
- Receivable Management Group
- Receivable Management Services
- Receivable Recovery Services
- Receivable Recovery Solutions
- Receivable Solutions
- Receivables Management Corporation (RMC)
- Receivables Management Partners
- Receivables Management Systems
- Receivables Outsourcing
- Receivables Performance Management
- Recovery Management Services
- Recovery Management Solutions
- Recovery Partners
- Recovery Solutions Group
- Red Cedar Associates
- Red Credit Solutions
- Regional Acceptance
- Reliance Recoveries
- Reliant Capital Solutions
- Remex, Inc.
- Rent Collect Global
- Rent Recovery Solutions
- RentDebt Automated Collections
- Renton Collections
- Reports, Inc.
- ResidentCollect
- Resource Management Group
- Resurgent Capital Services
- Retail Merchants Association, Inc.
- Retrieval-Masters Creditors Bureau
- Rev-1 Solutions
- Revco Solutions
- RevCrest, Inc
- Revenue Enterprises
- Revenue Group
- Revenue Recovery Corporation
- Revenue Recovery Inc
- Revenue Recovery Solutions, Inc.
- RevSolve
- RGL Associates
- RGS Financial
- Rickart Collection Systems
- RJM Acquisitions, LLC
- RMB, Inc.
- RMC of America
- RMCB Collection Agency
- RMP Services
- Rocket Receivables
- Rocky Mountain Recovery Systems
- Roquemore & Roquemore, Inc.
- RSI Enterprises
- RSIEH
- RTR Financial Services
- Rubin & Rothman, LLC
- Rushmore Service Center
- Russell Collection Agency, Inc.
- Salander Enterprises, LLC
- Sarma Collections
- SBCS Debt Collection
- SCA Collections
- SCA Credit Services
- Scott & Associates, PC
- Second Look, Inc.
- Second Round Sub, LLC
- Security Credit Services
- Security Credit Systems
- Selip & Stylianou
- Sentry Credit
- Sentry Recovery & Collections
- Sequium Asset Solutions
- Sequoia Financial Services
- Seterus, Inc.
- Shafer Law Firm
- SHERLOQ Solutions
- SIMM Associates
- Simon’s Agency
- SKO Brenner American
- Smith, Rouchon & Associates, Inc.
- Solomon and Solomon, PC
- Source Receivables Management
- Southern Credit Adjusters
- Southern Credit Recovery, Inc.
- Southern Management Systems
- Southern Oregon Credit Service, Inc.
- Southwest Credit Systems
- Southwest Recovery Services
- Sprint Collections
- SRA Associates
- Stanislaus Credit Control Service
- State Collection Service, Inc.
- States Recovery Systems, Inc.
- Statewide Collection Service
- Stellar Recovery, Inc.
- Stenger & Stenger, PC
- Stern Recovery Services
- Stevens Business Service
- Stoneleigh Recovery Associates, LLC
- Stuart-Lippman and Associates, Inc
- Summit Receivables
- Sunrise Credit Services
- Superlative RM
- Syndicated Office Systems
- Synergetic Communication
- Synerprise Consulting Services
- Synter Resource Group
- Systems & Services Technologies
- T-Mobile Collections
- Tate & Kirlin Associates
- TCI Solutions/Bom TCI-Tv
- Team Recovery
- TekCollect
- The Bortolazzo Group, LLC
- The Bureaus, Inc.
- The CCS Companies
- The Outsource Group
- The Stark Collection Agency
- The Thomas Agency
- Thunderbird Collection Specialists
- Time Warner Cable Collections
- TLRA Debt Recovery
- Todd, Bremer & Lawson
- Torres Credit Services
- Transfinancial Companies
- Transworld Systems
- Trellis Company
- Tri-State Adjustments
- Trident Asset Management
- Trojan Professional Services
- TRS Recovery Services
- TrueAccord
- Tucker, Albin & Associates
- Tulsa Adjustment Bureau
- Tupelo Service Finance, Inc.
- Turtle Creek Assets
- Unifin
- Unifund CCR Partners
- Unique Management Services, Inc.
- United Accounts, Inc.
- United Check Recovery Bureau
- United Collection Bureau
- United Consumers, Inc.
- United Receivables Group
- United Recovery Group
- United Recovery Service
- United Resource Systems, Inc.
- United Revenue Corp
- United We Collect
- Universal Collection Services
- Universal Credit Services
- Universal Fidelity, LP
- US Collections West
- USAA Collections
- USCB America
- USCB Corporation
- Usdoe/Glelsi
- USI Solutions
- Valarity, LLC
- Valentine & Kebartas, LLC
- Valley Credit Service, Inc.
- Valley Empire Collection
- Vance and Huffman
- Velocity Investments LLC
- Vengroff Williams, Inc.
- Veripro Solutions
- Verizon Collections
- Virtuoso Sourcing Group, LLC
- Vital Recovery Services
- Wakefield & Associates
- Waterfall Revenue Group
- Waypoint Resource Group
- Wells Fargo Collections
- Weltman, Weinberg & Reis
- West Asset Management
- Western Mercantile Agency, Inc.
- Westlake Financial Services
- Westlake Portfolio Management
- Wilber & Associates, P.C.
- Williams & Fudge
- Wilshire Consumer Credit
- Windham Professionals
- Winn Law Group
- Works & Lentz, Inc.
- World Omni Financial Corp
- Your Collection Solution
- Zakheim Law Group
- Zealandia Capital, Inc.
- Zwicker & Associates
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