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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.

Major Debt Collection Agencies 2022

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

A debt collection agency must always provide all the details

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.

Make a debt collection agency prove your debt is valid

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:

The amount of the debt.
The name of the creditor.
The collector will assume the debt is valid unless the consumer sends them a Debt Validation Letter within 30 days.
If you send the collector a Debt Validation Letter they will need to mail you validation of the debt.
If you send them a Debt Validation Letter they will need to mail you the name and address of the original creditor.

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.

What is SoloSuit?

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.

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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.

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