Dena Standley | October 19, 2022
Edited by Hannah Locklear
            Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.
Summary: Is a debt collection agency contacting you about a debt you owe? Here's SoloSuit's list of debt collection agencies and some tips on how to stop them.
The United States has over 7023 debt collection agencies. The $18.8 billion industry generates more fraud reports to the FTC than any other industry does. Abusive debt collection practices hurt financially vulnerable consumers. Often, consumers pay collectors money they don't owe, falling deeper into debt.
It's normal to wonder if the collection agency you're dealing with is legitimate. Below, we have listed some of the major debt collections agencies across the country, their contact information, and their BBB rating.
| BBB Rating | Agency | Adress | Phone number | 
|---|---|---|---|
| C+ | Absolute Resolutions Investments LLC | Bloomington, MN 5543
 8000 Norman Center Dr. #350  | 
   (800) 713-0670 
 (800) 877-8339  | 
  
| A+ | Accredited Collection Services | 714 Tara Plz
 Papillion, NE 68046-2032  | 
   (402) 331-0103 | 
| A+ | Alliance One | 300 S Spring St
 Los Angeles, CA 90013-1230  | 
   (877) 541-8420 | 
| A+ | Amcol Clmbia | 111 Lancewood Rd Columbia, SC 29210-7523 | 1-803-798-6370 | 
| A+ | American Recovery Service | 5118 Robert J Mathews Pkwy
 El Dorado Hls, CA 95762-5703  | 
   (800) 398-6480 | 
| A+ | Asset Acceptance LLC | 9801 S 51st St
 Phoenix, AZ 85044-5600  | 
   (480) 403-6400 | 
| A+ | Asset Recovery Solutions | 2200 E Devon Ave Ste 200
 Des Plaines, IL 60018-4501  | 
   (888) 678-0087 | 
| A+ | Associated Credit Services | 115 Flanders Rd, Suite 140
 Westborough, MA 01581-1087  | 
   (800) 531-6500 | 
| A- | Autovest LLC | P0 box 2247
 Southfield, MI 48037  | 
   (800) 221-8160 | 
| A+ | Bank of America | 100 N Tryon St STE 220
 Charlotte, NC 28202-4031  | 
   (800) 432-1000 | 
| A+ | Cach LLC | 6801 S. Cimmaron Road, Suite 424-H, Las Vegas, Nevada 89113 | 0673-90018171 | 
| A | Capital One | 15000 Capital One Dr
 Richmond, VA 23238-1119  | 
   (800) 955-7070 | 
| NR | Cavalry SPV I LLC | 4050 E Cotton Center Blvd Ste 20
 Phoenix, AZ 85040-8862  | 
   (914) 347-3440 | 
| A+ | Cerastes LLC | 1400 E. Touhy Ave., Ste. G2
 Des Plaines, IL 60018-3338  | 
   (773) 902-1130 | 
| B+ | Chase | 8044 Montgomery Road
 Suite 350 Cincinnati, OH 45236-2956  | 
   (513) 985-5000 | 
| F | Colinfobur | 202 N. Federal Hwy.
 Lake Worth, FL 33460-3438  | 
   (800) 841-3314 | 
| A+ | Covington Credit | 315 Decatur Pike
 Athens, TN 37303  | 
   (423) 744-9199 | 
| NR | Credit One Bank | 801 S Cimarron Rd
 Las Vegas, NV 89113-2273  | 
   (877) 825-3242 | 
| A- | Crown Asset Management | 100 Breckinridge Blvd Ste 725
 Duluth, GA 30096-7605  | 
   (770) 817-6700 | 
| A+ | CTC Debt Collector | PO Box 120568
 Newport News, VA 23612-0568  | 
   (757) 223-5653 | 
| NR | Cypress Financial Recoveries | 478 Tehama St
 San Francisco, CA 94103-4141  | 
   (415) 946-4185 | 
| A+ | Delanor Kemper & Associates | 448 Ralph David Abernathy Blvd SW # 11
 Atlanta, GA 30312-2404  | 
   (404) 524-0891 | 
| B+ | Eagle Loan of Ohio | 1889 W Market St
 Akron, OH 44313-6909  | 
   (330) 861-0700 | 
| C | Educap | PO Box 651118
 Sterling, VA 20165-1118  | 
   (866) 398-7741 | 
| A+ | Estate Information Services | 70 Morrison Rd Ste 300
 Gahanna, OH 43230-5324  | 
   (614) 322-2758 | 
| A+ | FIA Card Services | 1 Springfield Ave
 Newark, NJ 07102-1406  | 
   (973) 848-4437 | 
| NR | Forster & Garbus | 60 Vanderbilt Motor Parkway
 Commack, NY 11725-5710  | 
   (631) 393-9400 | 
| A+ | Freshview Solutions | PO Box 16365
 Jacksonville, FL 32245-6365  | 
   (352) 266-4448 | 
| NR | Fulton Friedman & Gullace LLP | 27405 Van Dyke
 Warren, MI 48093  | 
   (877) 496-4798 | 
| A- | Harvest Credit Management | 1776 Lincoln St Ste 900
 Denver, CO 80203-1026  | 
   (303) 531-0631 | 
| A+ | Howard Lee Schiff | 111 Founders Plz
 Hartford, CT 06108-3212  | 
   (860) 528-9991 | 
| NR | Hudson & Keyse LLC | 2711 N Haskell Ave STE 2100
 Dallas, TX 75204-2933 Get Directions  | 
   (877) 565-4669 | 
| A | Integras Capital Recovery LLC | Cherry Hill, NJ 08034-1947 | (856) 773-4724 | 
| B | Javitch Block | 700 Walnut St
 Ste 300 Cincinnati, OH 45202-2011  | 
   (513) 744-9600 | 
| A- | Jefferson Capital Systems LLC | 16 McLeland Rd
 Saint Cloud, MN 56303-2198  | 
   (800) 281-2793 | 
| A | LVNV Funding | Greenville, SC 29601-2165 | (864) 248-8700 | 
| A+ | Mannbracken | 2325 Clayton Rd
 Concord, CA 94520-2104  | 
   N/A | 
| A+ | Mariner Finance | 8211 Town Center Dr
 Nottingham, MD 21236-5904  | 
   (844) 338-2080 | 
| A+ | Medicredit | 111 Corporate Office Dr Ste 200
 Earth City, MO 63045-1506  | 
   (800) 888-2238 | 
| NR | Michael J Adams PC | 3201 Cherry Ridge St Ste B205
 San Antonio, TX 78230-4825  | 
   (210) 858-8360 | 
| A+ | Michael J Scott | 942 Zamora St. SE Palm Bay FL 32909
 Fort Lauderdale, FL 33319-5767  | 
   (954) 394-9567 | 
| B+ | Midland Funding LLC | PO Box 101928
 Birmingham, AL 35210-6928  | 
   (800) 265-8825 | 
| A+ | Mountain Land Collections | 852 E 1050 S
 American Fork, UT 84003-3798  | 
   (801) 492-1596 | 
| A- | MRS Associates | 1930 Olney Ave
 Cherry Hill, NJ 08003-2016  | 
   (888) 334-5677 | 
| A+ | Mullooly, Jeffrey, Rooney & Flynn | 6851 Jericho Tpke Suite 220
 Syosset, NY 11791-4449  | 
   (516) 759-2200 | 
| F | National Collegiate Trust | 237 Park Avenue, Suite 21
 New York, NY 10017  | 
   N/A | 
| B | Nationstar Foreclosure | 800 State Highway 121 Bypass
 Lewisville, TX 75067  | 
   (877) 783-7480 | 
| A+ | NCEP LLC | 112 N Curry St
 Carson City, NV 89703-4934  | 
   (866) 678-4153 | 
| F | Northstar Capital Acquisition | 3350 Riverwood Pkwy SE STE 1900
 Atlanta, GA 30339-3372  | 
   (678) 672-0109 | 
| A+ | NRC Collection Agency | 6491 Peachtree Industrial Blvd
 Atlanta, GA 30360-2100  | 
   N/A | 
| A+ | OneMain Financial | 601 NW Second St.
 Evansville, IN 47708 Get Directions  | 
   (812) 424-8031 | 
| A+ | Palisades Collection LLC | 210 Sylvan Avenue
 Englewood Cliffs, NJ 07632  | 
   (201) 567-5648 | 
| A+ | Pallida LLC | 2615 NE Amberglen Pkwy
 Hillsboro, OR 97124-7695  | 
   (503) 466-5000 | 
| D | Paragon Revenue Group | 216 Le Phillip Ct NE
 Concord, NC 28025-2954  | 
   (800) 868-1899 | 
| A+ | PayPal Synchrony Card | PO Box 5138
 Timonium, MD 21094  | 
   (866) 528-3733 | 
| A+ | Pinnacle Collections Agency | PO Box 130848
 Carlsbad, CA 92013-0848  | 
   (760) 929-6685 | 
| A+ | PMAB LLC | 4135 Southstream Blvd STE 400
 Charlotte, NC 28217-4636  | 
   (704) 553-7144 | 
| A+ | Portfolio Recovery Associates | 120 Corporate Blvd STE 1
 Norfolk, VA 23502-4952  | 
   (757) 519-9300 | 
| A+ | Provest Law | 7702 Woodland Center Blvd STE 100
 Tampa, FL 33614-2425  | 
   (813) 877-2844 | 
| A+ | PYOD LLC | 55 Beattie Pl Ste 110
 Greenville, SC 29601-5115  | 
   (864) 248-8700 | 
| NR | Regents and Associates | 2650 Fountain View Dr. Ste 233
 Houston, TX 77057-7669  | 
   (713) 490-7076 | 
| A+ | Reunion Student Loan Finance Corporation | 105 1st Ave SW
 Aberdeen, SD 57401-4104  | 
   (605) 622-4400 | 
| A+ | Revenue Group | 3711 Chester Ave Ste 200
 Cleveland, OH 44114-4623  | 
   (216) 763-2100 | 
| A+ | RSIEH | 250 N Sunny Slope Rd Ste 300
 Brookfield, WI 53005-4824  | 
   (866) 456-3744 | 
| NR | Salander Enterprises LLC | 225 S Executive Dr.
 Brookfield, WI 53005-4257  | 
   N/A | 
| A+ | Second Round Sub LLC | 1701 Directors Blvd Ste 900
 Austin, TX 78744-1098  | 
   (512) 448-2600 | 
| A+ | Security Credit Services | 306 Enterprise Dr.
 Oxford, MS 38655-2762  | 
   (866) 699-7889 | 
| NR | Sherman Financial Group | 163 Shore St
 Falmouth, MA 02540 Get Directions  | 
   (508) 548-0085 | 
| A+ | Suttell and Hammer | Bellevue, WA 98004-1446 | (425) 455-8220 | 
| A+ | SYNCB/PPEXTR | 950 Forrer Blvd.
 Kettering, OH 45420  | 
   (866) 419-4096 | 
| A+ | Synchrony Bank | 950 Forrer Blvd
 Kettering, OH 45420-1469  | 
   (800) 250-5411 | 
| B | T-Mobile | 12920 SE 38th St
 Bellevue, WA 98006-1350  | 
   (800) 937-8997 | 
| NR | Target National Bank | 3901 W 53rd St
 Sioux Falls, SD 57106-4216  | 
   (888) 755-5856 | 
| A+ | Transworld Systems | 500 Virginia Dr. Ste 514
 Ft Washington, PA 19034-2707  | 
   (877) 420-4789 | 
| A+ | Tulsa Teachers Credit Union | 3720 E 31st St
 Tulsa, OK 74135-1507  | 
   (918) 749-8828 | 
| A+ | UCB Collection | 5620 Southwyck Blvd # 206
 Toledo, OH 43614-1501  | 
   (866) 209-0622 | 
| A | Velo Law Office | 1750 Leonard St NE
 Grand Rapids, MI 49505-5636  | 
   (616) 333-0707 | 
| B | Velocity Investments | 1800 State Route 34 Ste 305
 Wall Township, NJ 07719-9168  | 
   (732) 556-9090 | 
| B | Waypoint Resource Group | 301 Sundance Pkwy
 Round Rock, TX 78681-8004  | 
   (866) 447-4163 | 
| A+ | Weinberg and Associates | 1632 NW Hughwood Ct Ste 4
 Roseburg, OR 97471-8881  | 
   (541) 672-1648 | 
| NR | Wells Fargo | 1 Montgomery St 2nd Fl
 San Francisco, CA 94104-4505  | 
   (800) 869-3557 | 
| NR | Wolpoff & Abramson | Rockville, MD 20850-5777 | N/A | 
Be careful not to give any money until you are sure your debt is being paid and that you are not being scammed. Collections agencies must validate a debt within 5 days of contacting you about it, otherwise, they are violating the Fair Debt Collection Practices Act (FDCPA). Send a Debt Validation Letter to find out which creditor passed your debt on to the debt collection agency, exactly how much you owe, and if your debt is past the statute of limitations.
Under the FDCPA, all debt collection agencies must validate a debt within 5 days of contacting you about it. If you don't receive a debt verification from them that outlines information about the debt, you can mail a Debt Validation Letter which forces them to either validate it or cease collection efforts.
In order to validate a debt, a debt collection agency must provide the following information:
If you've been contacted about a debt that you don't owe, don't just sit back and wait for the collection agency to sue you. Fight back now by making them verify the debt.
SoloSuit can help you draft a Debt Validation Letter in minutes.
SoloSuit makes it easy to respond to a debt collection lawsuit.
How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.
You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now or are just looking for support, we're here for you.
>>Read the NPR story on SoloSuit: A Student Solution To Give Utah Debtors A Fighting Chance
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"Finding yourself on the wrong side of the law unexpectedly is kinda scary. I started researching on YouTube and found SoloSuit's channel. The videos were so helpful, easy to understand and encouraging. When I reached out to SoloSuit they were on it. Very professional, impeccably prompt. Thanks for the service!" - Heather