What applies to us
Commercial collection is not unregulated collection. Requirements vary by state and by the nature of the obligation.
Where consumer protection law reaches our files
A debt's character is fixed at origination and does not change based on who is pursued for it.
The FDCPA governs obligations incurred for personal, family, or household purposes. Our commercial placements — invoices, trade credit, leases, contract balances between businesses — fall outside it.
Judgment enforcement is where this gets subtle. If a judgment we are enforcing originated as a consumer obligation, that account is subject to the FDCPA in full, even where the enforcement target is a business entity the debtor controls. Pursuing an entity does not convert a consumer debt into a commercial one. We screen for this at placement and handle any consumer-origin account under full FDCPA requirements.
As a practical matter we apply consumer-level process — validation on request, dispute handling, communication preferences — to every account we work, because over-disclosure carries no legal risk and under-disclosure does.
Our internal controls
- Written compliance policies reviewed on a periodic basis
- Employee training with documented completion tracking
- Call monitoring and quality assurance review
- Complaint intake, classification, and root-cause analysis
- Counsel network vetting and ongoing oversight
- Account-level controls for disputes, communication preferences, and attorney representation
- Screening at placement for consumer-origin obligations
- Permissible-purpose controls on consumer report access
How we vet counsel
Every action requiring court process is handled by a licensed attorney in the relevant jurisdiction, not by us. Before a firm joins our referral network we confirm active licensure and good standing in the states where they will appear, professional liability coverage, and experience with commercial collection and post-judgment enforcement specifically. Referrals are reviewed on an ongoing basis, and no referral is made without the client's written approval.
Information security
Client and debtor information is handled under access controls, encryption in transit, and controls consistent with the safeguards required by GLBA. Our information security program is reviewed on a periodic basis and updated to reflect changes in operations and applicable requirements.
State licensing and bonding
Some states license commercial-only collection and some exempt it. We do not conduct collection or enforcement activity in any jurisdiction where we are not properly licensed.
| State | License number | Bond number |
|---|---|---|
| All applicable states | [LICENSE NO. PENDING] | [BOND NO. PENDING] |
Reaching the compliance department
- [COMPLIANCE EMAIL]
- Phone
- [PHONE]
- [MAILING ADDRESS]
If you received a communication from us, see Notice Recipients for how to respond, request validation, or dispute an obligation.