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Collection Agencies & Debt Buyers
Collection Agencies & Debt Buyers
Have you ever wondered how many types of collection agencies there are? Are they all the same? Are they established by bonafide attorneys or just a bunch of investors hell bent on making the most money possible? Do the executives wear toupee's and drink coffee by the gallon? Do they have severe overbites? Are they supporting a mistress and a few ungrateful children and an ex wife who bangs the tennis pro? Well, we don't know all about that other stuff, let's say "maybe". As for collection agencies and such there are 4 kinds: Internal collection (each company has an internal collections department and overdue debts go here first), external collections (usually attorneys who have a contract with a company to try to recover for a percentage), debt buyers (could be anyone who has the money to buy debt and the logistics to begin recovery processes) and junk debt buyers (total scumbag assholes with no moral compass).
Junk debt buyers come and go (like your ex who raids the fridge and sleeps on the couch between girlfriends) They'll be new ones of course, since it is inevitable given the state of the finance industry after Covid19 and the slow as molasses response by the government. Some agencies may be missing, but for the most part these are the companies one deals with at some point.
A
A
ACB Receivables Management
AM Mortgage Brokers
AMO Recoveries
A&S Collection Associates
Academy Collection Service, Inc.
Accelerated Recovery Services, Inc.
Account Management Services
Account Recovery Bureau
Account Solutions Group
Action Collection Services
Advanced Call Center Technologies, LLC
Alliance One, Inc
Allied Interstate, Inc.
Alltran
Allstate Financial Services dba Allstate Adjustment Bureau
AmSher Receivables Management
American Coradius International
American Coradius International LLC (ACI)
American Coradius, Inc.
American Credit Collections, LLC.
American Credit Services
American Debt Services
American Legal Recovery
American Legal Services, PC
Ameriquest Recovery Services
Anchor Receivables Management
The Andersen Group
Anderson Financial Network, Inc. (AFNI)
Ariel Financial Services
Arrow Financial Services
Ascent Card Services, LLC
Asset Recovery Associates
Associated Recovery Systems
Aspen National Collections
Asta Funding
Atlantic Credit & Finance
Aurora, Gold & Associates, LLC
B - C
B - C
Baker, Lawrence, Attorney
Barnes, Curtis, O. Con-America
Bass and Associates
Bay Area Credit Services
Bennett & DeLoney, PC.
Berks Credit Collections
Bishop, White, Marshall, & Weibel, PC
Booth and Associates
Brachfeld & Associates, P.C.
Bronson & Migliaccio, LLP
Bronson, Cawley & Bergmann, LLP
Brumbaugh & Quandahl, PC
Buffaloe & Associates, Lawyers
Burgess, Douglas R.
Burke, Edward T. & Assoc, P.C.
The Bureaus, Inc.
**
C. Barry & Associates, LLC
C. Water Recoveries
CACV aka CACH, LLC
CBE Group
CCA
CMC Recovery Services, Inc.
CMG Recovery Services
CRF Solutions
CRS Capital Recovery Services
Caferella, Jason J, Attorney
California Business Bureau, Inc.
California Financial Credit Association
California Recovery Bureau, Inc.
Capital Credit Services, Inc.
Capital Management Services
Cashnet500 DBA Global Cashnet DBA D.R.G. & Associates
Cavalry Portfolio Services, LLC
Central Credit Services
Channing & Associates
Chase Receivables
Check Recovery System
Check and Merchant Services
Civil Claims Asset Investigative Services
Claims & Warrants
Claims America, LLC
Client Services, Inc.
Coastal Mitigation Associates
Coface Collections North America, Inc
Cohen & Slamowitz, LLP
Collect America, CACV aka CACH, LLC
Collect Corp Inc
Collectech Systems, Inc.
Colonial Credit Corporation
Commonwealth Financial Systems
Conserve Collection Company
Consumer Credit Association
Consumer Recovery Associates
Continental Credit
Convergent
Cred X Debt Recovery, LLC
Credit Collection Services (CCS)
Credit Management Control
Credit One, LLC
Creditors Interchange Receivable Mgmt, LLC
D - E
D - E
DMG Consulting
DNI Recovery Ezelle Williams & Associates
Delmarva Collections, Inc.
Dendy, Michael D.
Diversified Collection Services (DCS)
Diversified Receivable Solutions
E-Renter USA Ltd.
ER Solutions
Eastern Asset Management
Educational Credit Management Corporation, MA (ECMC)
Edwin A. Abrahamsen & Associates, P.C.
Empire Recovery Group
Encore Capital Group
Encore Receivable Management
Endeavor Financial Partners, LLC
Enhanced Recovery Company
EOS CCA Debt Collection Services
Estate Recoveries
F - G
F - G
FMA Alliance, Ltd.
FNBM, LLC
Federal Bond Collection Services, Inc.
Federal Credit Recovery/FCR Offices
Fidelity Information Corporation
Financial Credit Services
Financial Recovery Services, Inc.
First American Investment Corporation
First National Collection Bureau, Inc.
Firstsource Advantage
Frederick J. Hanna & Associates
Frontline Asset Strategies
Full Circle Financial Services, LLC
Fulton Friedman & Gullace LLP
General Revenue Corporation
GC Services
GMC Credit Services (Glass Mountain Capital)
Genesis Financial Corp.
Global Acceptance Credit Company (GACC)
Global Credit Network
Global International, Inc.
Global Recovery Group
Go-More Financial, Inc.
Graham, Noble, & Associates, LLC
Great Lakes Collection Bureau, Inc.
Green Tree
Greenberg & Associates
Griggs & Associates (G&A Investigative Services) LLC
Gulf State Credit
H - J
H - J
HP Capital
(Healthcare Revenue Recovery Group, LLC
Haller Harlan Taylor
Harris & Harris
Harrison Ross Byck, Esq.
Hayt Hayt & Landau
Healthcare Collections Specialists
Hillcrest Credit Agency
Hoffman Swartz, and Associates, Inc.
Houston Funding Corp.
Hudson & Keyse, LLC
IC Systems
IMC Credit Services
IQ Data (also doing business as Rent Collect Global)
ISA Acceptance Corporation
Integrity Resolution Group, LLC
**
J. C. Christensen & Associates, Inc.
JNR Adjustment Company, Inc.
JT Keller & Associates
Jacobs Marsh, LLC
Jason Reed & Associates
Javitch, Block & Rathbone LLP
Jefferson Capital Systems
K - M
K - M
Koparr Paralegals & Associates, LLC
**
LTD Financial Services, L.P.
LVNV Funding, LLC
Landis, Thomas
Lang, Richert & Patch
Laurence A Hecker
Lawal and Associates
Lead Resources of America Inc
Leading Edge Recovery Solutions
Legal Recovery Law Offices
Legal Recovery Services, Inc.
Lewis Hastie Receivables Inc.
Love, Beal & Nixon, PC
Lowery, Scott DBA CACH, LLC
M. Leonard & Associates
MD Collections
MRS Associates, Inc.
Magnus Services, Inc.
Marauder Corporation
Meadows Law Office – Sheree Meadows
Mel S. Harris & Associates
Mercantile Adjustment Bureau
Merchant’s Credit Guide Co.
Meridian Management Solutions
Midland Credit Management, Inc.
Monterey Bay Collection Agency, Inc.
Moore, Gerald E. & Associates
Morgans & Associates, P.C.
Mosely & Mosely
Myers & Porter, Attorneys
N - O
N - O
NCC Business Services, Inc.
NCO Financial Systems
National Acceptance
National Asset Management
National Attorney’s Network
National Bureau of Collections, Inc.
National Credit Adjusters
National Credit Works, Inc.
National Enterprise Systems
Niagara Credit Solutions
National Financial Systems
National Recovery Group
National Revenue Corporation
Nations Recovery Center
Nationwide Capital Recovery
Nationwide Credit, Inc.
Nationwide Recovery Systems, Ltd.
Nelson, Watson & Associates, LLC
Neuheisel Law Firm, PC
Niagara Credit Solutions Inc.
North American Asset Investigation Bureau, LLC (NAAIB)
North American Collectors, Inc.
Northeast Credit & Collections
Northern California Collection Service
Northland Group
Northwest Mediation Group
Nu Island Partners, LLC
**
O’Neill Management, Inc. Investigators
OSI/Outsourcing Solutions
Ozark Capital Corporation
P - Q
P - Q
PCS Inc.
PMR Law Group
Pacific Coast Collections
Palisades Collections, LLC
Palm Island Services
Partners Financial Services
Peak Financial Services, LLC
Penn Credit Corporation
Performance Capital Management
Phillips & Burns, LLC
Phillips & Cohen Associates, Ltd.
Pinnacle Asset & Capital Management Grp, LLC
Pinnacle Credit Services, LLC
Pinnacle Financial Group
Pioneer Credit Recovery, Inc.
Platinum Recovery Solutions, Inc.
Plaza Associates
Portfolio Exchange
Portfolio MG, LLC (PMG)
Portfolio Management of Amherst, LLC.
Portfolio Recovery Associates, LLC
Praxis Financial Solutions, Inc.
Premiere Credit
Pressler & Pressler, LLP
Pride Recovery Services
Pro Collect Inc.
Progressive Management
**
QAR, LLC
Quadrant Group LLC
R - S
R - S
RCS Centre Corp
RJM Acquisitions, LLC
ROI Companies
Rannefeld, Blue W. Attorney
Receivables Performance Management
Redline Recovery Services, LLC.
Regent & Associates, P.C.
Regent Asset Management Solutions
Regional Adjustment Bureau, Inc.
Reliant Capital Solutions
Reliant Recovery Services, Inc.
Resurgence Financial, LLC
Resurgent Capital Services/Sherman
Revenue Reporting Service
Reynolds & Jacobson, Attorneys
Roach, Larry, Law Offices of
Rosenthal, Morgan and Thomas, Inc.
Rosenthal, Stein and Associates
S & S Recovery
SC Associates
SRA Associates
Scherr, Harold E. , Attorney
Scott L Feldman
Scott, Michael J., PC
Shekinah, Inc
Sherman Financial Group/Alegis (SDB)
Smith, Rouchon, and Associates – Alabama
Southern Tier Agency, Inc.
Southwest Recovery Services
Specified Credit Association
Sunrise Credit Services
Summit Account Resolution
Superior Asset Management
Systematic National Collection
T - V
T - V
Talentwise
Taylor, Jay A. P.C. Attorney
Tek Collect
The Receivable Management Services Corporation (RMS)
Titan Recovery Group, LLC
Trak America Enterprises, LLC
Transworld Systems
Tri-Financial
Trident Financial Network
TrueLogic Financial Corp.
**
Unifund Group Corp.
United Abstract Group, Inc.
United Collections Bureau
United Consumers Inc.
United Portfolio Services Group
United Recovery Systems
United Consumer Financial Services
Universal Fidelity
Universal Filing Services, Inc.
VRM Collections – Vigden Receivables Management
Valentine & Kebartas, Inc.
Van Ru Credit Corp
Vericore
Viking Collection Service Southwest
Vision Financial Services
W - Z
W - Z
Wakefield & Associates
Weber Olcese
Weltman, Weinberg & Reis
West Asset Management Inc.
Westmoreland Agency/Capital One Bank
Williams & Fudge
Windham Professionals, Inc.
Winn and Sims, P.C
Wolpoff & Abramson
Worldzen Collections and Recovery LLC
Zenith Acquisition Corp.
Zwicker & Associates, P.C.
Also...
Also...
When you see a name or a series of surnames each more difficult to pronounce than the other, you're most likely dealing with attorney's who are in the business of running a collection business. Debt buyers generally don't put their names on the shingle. This would probably be to avoid the random disgruntled neighbor from toilet papering their trees or putting Krazy glue in every keyhole on every door of the guys house. Maybe it isn't because of that at all and my mind just wanders to the irrelevant juvenile delinquencies, were not sure so lets move on. Professional Associations not withstanding, most collection agencies are owned by attorneys and most debt buying enterprises are run by your average businessperson. Each has to adhere to the law but from a negotiations standpoint it is far easier to haggle with a debt buyer than a collection agency, since most are contracted directly to recover and don't like to get the reputation for "softness".
One should always know that they can contact any collector and speak with them, there is absolutely nothing to fear. Their reputation is worst than they are in reality and that's because back in the old days they'd call your boss or family, they'd go out of their way to hire guttersnipes to work the phones and drive you insane. Besides no one likes to be reminded that they owe at the dinner table, it's annoying. The good is that any consumer can opt out of those calls by simply saying they don't want to get called again.
If you're one of the few people who still gets collection agencies or debt buyers calling your boss or family and harassing them, you may have legal grounds to sue their asses for violating the FDCPA or at the very least report their asses to the agency that takes such violations seriously. Either option has a stunning effect and at the least they'll leave you off the call log.
Not so fast...
Not so fast...
Just because you opt out of being called doesn't mean you won't be contacted. Collections and debt buyers can still mail you and email you. They can even text you now, so feel free to have the call block option available.
Collections was always a big business and in these trying times, it's going to get worse. And while many threaten and coerce, legitimate collections (there is such a thing) will actually try to work with you to settle on outstanding debts. It is the consumers responsibility to know how credit works, what the statute of limitations is for their state, know what the credit reporting time limit is and be willing to question unknown debts.
Very few people in this industry go out of their way to tell you how things work or much less point you to a viable solution, but like our founder always says: "In this business you're either fucking over a consumer or pissing off a competitor". Judging by the way this company is run, you can imagine in what category we fall into. No shit.