Post charge-off
Post Charge-Off Collections
- 01
What it is.
Recovery on accounts the client has already charged off — aged, written down, and in most cases already worked by someone else before they reach us.
- 02
What the law allows.
Everything the FDCPA and Regulation F require of a debt collector applies in full, and two provisions matter more at this stage than any other: a debt too old to sue on cannot be sued on or threatened with suit, and the validation notice obligations restart with us regardless of who held the account before.
12 C.F.R. § 1006.26(b) · § 1006.34 · 15 U.S.C. § 1692g(a) - 03
How we work inside it.
Every placement is scored and documented before contact begins, so the channel and the offer fit the consumer rather than a fixed dial schedule. Statute-of-limitations status is calculated per account against the governing state law and locks the options available to the collector working it.
12 C.F.R. § 1006.26 · § 1006.14(b)(2)(i) - 04
Why we do it.
A charged-off account is money the client has already given up on, and a consumer who resolves one closes a file that would otherwise follow them. Doing it without a complaint is the whole job.
01 Compliance
Compliance Controls
Validation notice issued on placement, before collection proceeds
Statute-of-limitations status calculated per account under governing state law
Time-barred accounts cannot be sued on, threatened with suit, or referred for suit
Seven-in-seven call frequency limit, and the seven-day post-conversation rule
Contact only 8:00 a.m. to 9:00 p.m. in the consumer’s own time zone
Required disclosures on first and subsequent communications
Prior express consent verified before any mobile call or text
Cease-contact, attorney, bankruptcy and fraud signals acted on immediately
Written disputes halt collection until verification is sent
Balance and interest verified against client data before any figure is quoted
Consumers select their own plan, date and method in the portal
Calls recorded, monitored and scored against approved scripts
Suit-place restrictions observed on any referred account
State-specific limitation periods and disclosure requirements applied
The framework behind these controls, and our licensing and bonding, are on our Compliance page →
02 Limits
What We Never Do
Sue, threaten to sue, or refer for suit an account that is time-barred
Quote a balance we have not reconciled against the client’s record
Add interest, fees or costs not permitted by the agreement or by law
Continue contact after a cease-contact instruction
Disclose the debt to a third party
Use false urgency, or state a consequence that will not follow
What a consumer can ask us to do — including disputing an account — is on Consumer Rights →
Where the account goes next
Accounts that do not resolve here may continue into secondary and tertiary recovery or be held under warehousing management at a reduced servicing rate. Referral to our nationwide legal network happens only on a client’s explicit written direction, and never on a time-barred account.