Once acquired, these accounts become our property.
In addition to owning the debt, we also:
• Service accounts that we have purchased and that remain current (not delinquent).
• Collect on charged-off and past-due debts as allowed under applicable federal and state laws.
• Work directly with consumers to offer repayment options that are fair, reasonable, and manageable.
Our Commitment to Credit Reporting Accuracy
We understand the vital role credit reporting plays in a consumer’s financial life. That’s why:
• We report to the credit bureaus only after conducting reasonable procedures to ensure the accuracy of the data.
• We are committed to maintaining accurate and up-to-date records regarding consumer accounts.
• We update or correct information promptly if any errors are found or disputes are validated.
• We comply with all relevant laws and regulations, including the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA).
Integrity and Compliance
We take pride in maintaining full compliance with state and federal laws governing debt acquisition, servicing, and collection. Our team undergoes regular training to stay up to date with the regulatory landscape, ensuring all communication and account activity is conducted lawfully and respectfully.