What a collector must tell you
Within five days of first contacting you, a collector has to send written validation of the debt — the amount, the original creditor, and how to dispute it (§ 1692g(a)). If you've only ever had phone calls, that notice is already overdue.
Calls before 8:00 a.m. or after 9:00 p.m. your local time are illegal.
Can't find them?
Collectors buy and resell debts constantly, and the agency on the phone often isn't the one on the letter. If you have the number but not the name, start from the number lookup instead — and if a collector isn't listed here at all, start a file and you can suggest them for inclusion.
Every agency we've verified
100 totalGrouped alphabetically. Each page lists the numbers they call from and where to send a letter.
A8
C18
- CACH LLCGreenville, SC
- Caine & WeinerSherman Oaks, CA
- Capio PartnersSherman, TX
- Capital Management ServicesBuffalo, NY
- Cavalry Portfolio ServicesTempe, AZ
- CBE GroupWaterloo, IA
- CCS OfficesNorwood, MA
- Central Portfolio ControlMinnetonka, MN
- Client Services IncSt. Charles, MO
- CMRE Financial ServicesBrea, CA
- Coast ProfessionalGeneseo, NY
- Collection Bureau of AmericaHayward, CA
- ConServeFairport, NY
- Convergent OutsourcingRenton, WA
- Credence Resource ManagementSouthgate, MI
- Credit Control LLCEarth City, MO
- Credit Management LPPlano, TX
- Crown Asset ManagementDuluth, GA
D3
F7
G3
H4
L3
M8
N6
P9
- Penn CreditHarrisburg, PA
- Phillips & Cohen AssociatesWilmington, DE
- Phoenix Financial ServicesIndianapolis, IN
- Pinnacle Credit ServicesHopkins, MN
- Pioneer Credit RecoveryArcade, NY
- Plaza ServicesSandy Springs, GA
- Portfolio Recovery AssociatesNorfolk, VA
- ProCollectDallas, TX
- Professional Finance CompanyGreeley, CO
R5
S9
- Second Round LPAustin, TX
- Security Credit ServicesOxford, MS
- Sequium Asset SolutionsMarietta, GA
- Source Receivables ManagementGreensboro, NC
- Southwest Credit SystemsCarrollton, TX
- Spring Oaks CapitalChesapeake, VA
- State Collection ServiceMadison, WI
- Sunrise Credit ServicesFarmingdale, NY
- Superlative RMAliso Viejo, CA
W4
How much these agencies get complained about
Consumers file hundreds of thousands of debt-collection complaints with the federal Consumer Financial Protection Bureau every year, and each agency page above carries its own share of them. The national breakdown has what the complaints are about and which states report the most per head.
We don’t work with debt collectors.
Collector Audit takes no money from collection agencies, debt buyers or creditors — no advertising, no referral fees, no arrangement of any kind. We don’t sell your information to anyone, including the people collecting from you. Plenty of sites that look like this one are funded by the other side of your dispute; that is worth knowing before you type your details into any of them.
The only money we take is yours, for a specific thing you asked us to do — mailing a certified letter, exporting your file. Nothing here is paid for by anyone with an interest in you paying up. That is the whole reason this directory can publish how many people have complained about an agency and point you at where to write to make them stop.
Stop the calls
Or let us send the cease & desist for you.
Once the collector receives written notice to stop contacting you, § 1692c(c) requires them to stop. We draft it against your file, print it, and send it certified with tracking — so you have proof of the date they received it.
- Drafted from your logged contacts
- Printed and mailed certified, with tracking
- Delivery date filed to your evidence vault
- You approve the wording before it goes
One-time, no subscription. Logging calls is free — you only pay when a letter goes out.