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- 01
What it is.
Referral of an account to a licensed collection attorney in the consumer’s own jurisdiction, when a client directs it. Most accounts resolve without litigation, and referral is the exception rather than a stage every file passes through.
- 02
What the law allows.
Suit may be brought only where the consumer lives or signed the contract, and only on a debt still inside its limitation period. Threatening a suit that will not be filed, or that could not lawfully be filed, is itself a violation — which is why referral language is never used as leverage.
15 U.S.C. § 1692i · § 1692e(5) · 12 C.F.R. § 1006.26(b) - 03
How we work inside it.
No account is referred without the client’s explicit written direction. Before we recommend referral, the account passes a collectability and compliance review: balance reconciled, limitation period confirmed, contact history clean of any dispute or cease-contact instruction, and jurisdiction verified. The attorney represents the client; we handle documentation and accounting.
15 U.S.C. § 1692i · 12 C.F.R. § 1006.26 - 04
Why we do it.
When litigation is genuinely warranted, it should be filed in the right court, on a verified balance, against the right person. Every one of those checks protects the client as much as the consumer, because a defective suit is a counterclaim.
01 Compliance
Compliance Controls
Referral only on the client’s explicit written direction
Suit filed only where the consumer resides or signed the contract
Time-barred accounts cannot be referred for suit
Collectability and compliance review completed before referral is recommended
Balance, interest and costs reconciled to client records before filing
Accounts with an open dispute or unanswered validation request are not referred
Accounts with a cease-contact instruction, bankruptcy or fraud flag are not referred
Attorneys licensed in the jurisdiction, with credentials verified and monitored
No lawsuit filed and no settlement accepted without the client’s approval
Court costs, payments and disbursements tracked and reported per account
Servicemember status checked before any referral
State-specific venue, limitation and licensing requirements applied
The framework behind these controls, and our licensing and bonding, are on our Compliance page →
02 Limits
What We Never Do
Threaten litigation that is not authorized or could not lawfully be filed
Refer or sue on a time-barred debt
File in a venue other than where the consumer resides or signed
Imply that we are attorneys, or that a communication is from a lawyer
Refer an account with an unanswered validation request
What a consumer can ask us to do — including disputing an account — is on Consumer Rights →
Before referral is ever considered
The great majority of accounts resolve through the options a consumer can choose themselves. Every one of those is on our Consumer Rights page — including requesting validation, disputing the balance, and arranging a plan — and using any of them stops a file well before this page becomes relevant.