Portfolio Services
Portfolio Services
We are retained by a client for a limited period. During it we review the account, verify its details, and work with the consumer on the options available — then the account returns to our client. Every service below states what it is, what the law allows, how we work inside it, and what we never do.
Post charge-off collections
Aged accounts, scored and documented before contact begins. Limitation-period status is calculated per account and locks what the collector can do.
12 C.F.R. § 1006.26(b) · 15 U.S.C. § 1692g(a)Read the controls →Secondary & tertiary collections
Accounts other agencies have already worked. Prior disputes, cease-contact instructions and attorney representation are loaded and honoured as our own.
15 U.S.C. §§ 1692c(a)(2), (c) · 1692g(b)Read the controls →Warehousing management
Accounts held and monitored at a reduced servicing rate, with no contact attempts, until a documented change and client authorization reactivate them.
12 C.F.R. § 1006.26 · GLBA SafeguardsRead the controls →Location information
Confirming a consumer’s address and telephone number within the narrow statutory definition — and nothing outside it.
15 U.S.C. § 1692a(7) · § 1692b · 12 C.F.R. § 1006.10Employment verification
Confirming that a consumer is employed at a given place. We do not ask about wages, income, or ability to pay.
15 U.S.C. § 1692b · 12 C.F.R. § 1006.10Skip tracing
The data side of locating a consumer, run under a permissible purpose documented per account.
15 U.S.C. § 1681b(a)(3)(A) · § 1681b(f) · § 1681qRead the controls →Credit bureau reporting
Optional and client-authorized. Nothing is furnished before the validation notice, or without an executed agreement with the bureau.
15 U.S.C. § 1681s-2 · 12 C.F.R. §§ 1006.30(a), 1022.42Read the controls →Nationwide legal network
Referral to a licensed attorney in the consumer’s own jurisdiction, only on a client’s written direction, and never on a time-barred account.
15 U.S.C. § 1692i · 12 C.F.R. § 1006.26(b)Read the controls →Every Service
Standard Controls
| Control | Governing authority | Status |
|---|---|---|
| Validation notice issued before collection activity proceeds | 12 C.F.R. §§ 1006.34, 1006.30(a) | System-enforced |
| A written dispute halts collection until verification is sent | 15 U.S.C. § 1692g(b) · 12 C.F.R. § 1006.38(d) | System-enforced |
| Seven-in-seven call frequency limit and the seven-day post-conversation rule | 12 C.F.R. § 1006.14(b)(2)(i) | System-enforced |
| Contact only 8:00 a.m. to 9:00 p.m. in the consumer’s own time zone | 12 C.F.R. § 1006.6(b)(1)(i) | System-enforced |
| Cease-contact, attorney, bankruptcy and fraud signals acted on immediately | 15 U.S.C. §§ 1692c(a)(2), (c) · 11 U.S.C. § 362 | System-enforced |
| No disclosure of the debt to any third party | 15 U.S.C. § 1692c(b) · 12 C.F.R. § 1006.6(d) | Scripted |
| Prior express consent verified before any mobile call or text | 47 U.S.C. § 227 · 47 C.F.R. § 64.1200 | System-enforced |
| Balances reconciled to client records before any figure is quoted | 15 U.S.C. §§ 1692e(2), 1692f(1) | Reconciled |
| Time-barred accounts cannot be sued on, threatened with suit, or referred | 12 C.F.R. § 1006.26(b) | System-enforced |
| Servicemember protections applied on notice | 50 U.S.C. § 3901 et seq. | Checked |
| Calls recorded, monitored and scored against approved scripts | State consent statutes | All calls |
| Card handling tokenized through PCI DSS-compliant payment gateways | PCI DSS · GLBA Safeguards | Enforced |
| State-specific licensing, disclosure and limitation requirements applied | State licensing, disclosure and limitation statutes | Per matrix |
For consumers
If you are here about your own account rather than to place one, everything you can do — request validation, dispute the balance, stop calls to a number, report bankruptcy or fraud, or arrange a plan you choose yourself — is on our Consumer Rights page.
Locating and Employment
How We Work
Confirming where a consumer lives, the telephone number that reaches them, and where they work is part of resolving an account. The FDCPA defines that narrowly, and the definition is the whole job: three items, and nothing else. What follows is not a statement that we intend to comply — it is the control on each contact and the provision it answers to.
Authority15 U.S.C. § 1692a(7) · § 1692b · § 1692c(a)(3), (b) · 12 C.F.R. § 1006.10
| Control on every locating and employment contact | Governing authority | Status |
|---|---|---|
| Scope limited to place of abode, telephone at that place, and place of employment | 15 U.S.C. § 1692a(7) | Scripted |
| The specialist gives their name and states they are confirming location information | 15 U.S.C. § 1692b(1) · 12 C.F.R. § 1006.10(b) | Scripted |
| Our employer is identified only on express request, never volunteered | 15 U.S.C. § 1692b(1) | Scripted |
| The debt is never stated or implied — to anyone, including an employer or coworker | 15 U.S.C. § 1692b(2) · § 1692c(b) · 12 C.F.R. § 1006.10(b)(2) | Monitored |
| One communication per person, absent a documented exception | 15 U.S.C. § 1692b(3) · 12 C.F.R. § 1006.10(c) | System-enforced |
| On employment, the only question is whether the consumer is employed there | 15 U.S.C. § 1692a(7) | Scripted |
| Where an employer is known to prohibit contact at work, we do not make it | 15 U.S.C. § 1692c(a)(3) | System-enforced |
| No postcards; no envelope or content marking indicating debt collection | 15 U.S.C. § 1692b(4)–(5) · 12 C.F.R. § 1006.10(d)–(e) | Template-controlled |
| Known attorney representation ends third-party contact | 15 U.S.C. § 1692b(6) · 12 C.F.R. § 1006.10(f) | System-enforced |
| Contact only 8:00 a.m. to 9:00 p.m. in the time zone of the person called | 12 C.F.R. § 1006.6(b)(1) | System-enforced |
| Calls recorded, monitored and scored against the approved script | State consent statutes | All calls |
| State-specific third-party contact restrictions applied | State third-party contact statutes | Per matrix |
Limits
What We Never Do
| State or imply that the consumer owes a debt | 15 U.S.C. § 1692b(2) | Never |
| Describe the call as concerning an account, a claim, a file or a financial matter | 15 U.S.C. §§ 1692b(2), 1692e | Never |
| Ask about wages, salary, hours, pay dates, income, assets or ability to pay | Outside § 1692a(7) · 15 U.S.C. § 1692c(b) | Never |
| Disclose or imply a debt to an employer, HR, payroll, a supervisor or a coworker | 15 U.S.C. §§ 1692b(2), 1692c(b) | Never |
| Request a Social Security number, date of birth or account number from a third party | 15 U.S.C. § 1692b(2) | Never |
| Seek employer or payroll information for garnishment before judgment | 15 U.S.C. § 1692c(b) | Never |
| Leave a message a third party could overhear that identifies us as a collector | 15 U.S.C. §§ 1692b(2), 1692c(b) | Never |
| Contact the same person a second time without a documented exception | 12 C.F.R. § 1006.10(c) | Never |