Expert Debt Recovery Services

We are a professional debt collection agency contracted by a creditor to collect an outstanding balance. This may be related to a past-due account such as a credit card, loan, medical bill, or utility account. We are required by law to identify ourselves and the original creditor when we contact you.

 Yes. This communication is from a debt collector. Any information obtained will be used for the purpose of collecting a debt, in accordance with applicable federal and state laws. 

You have the right to request written verification of the debt. Upon request, we will provide documentation showing:

• The name of the original creditor
   
• The amount owed
   
• Your rights under the Fair Debt Collection Practices Act (FDCPA)
   

Requests for validation must be made within the timeframe specified in your written notice.

We offer several convenient payment options, which may include:

• Online payments
   
• Phone payments
   
• Payment plans
   
• Settlements (when applicable)
   

Please contact us to discuss payment arrangements that may work for your situation.

In many cases, yes. Payment plans are based on the creditor’s guidelines and your financial circumstances. Contact our office to explore available options. 

Depending on the account and the creditor’s reporting practices, the debt may be reported to one or more credit reporting agencies. Paying or resolving the account may impact how it is reflected on your credit report. We do not control credit scoring models.

You are protected by the Fair Debt Collection Practices Act (FDCPA) and applicable state laws. These laws prohibit:

• Harassment or abuse
   
• False or misleading statements
   
• Unfair collection practices
   

You also have the right to dispute the debt, request verification, and limit how we contact you.

We will not contact you at work if you tell us your employer does not allow such communications. You may also request preferred contact times or methods.

 You may dispute the debt in writing or by contacting our office. Once a dispute is received, we will pause collection efforts until verification is provided, as required by law. 

 Please notify us immediately. We will investigate the matter and work to resolve any errors promptly. 

 Yes. You may request in writing that we cease further communication. Please note that this may limit our ability to discuss resolution options and does not eliminate the debt. 

 Yes. We take data privacy and security seriously and use industry-standard safeguards to protect your personal and financial information. 

 You can reach us by phone, email, or mail using the contact information provided on this website. Our representatives are available during normal business hours to assist you.