http://www.occc.state.tx.us/pages/consu ... btColl.htm
Debt Collection Practices
The OCCC frequently receives questions and complaints from consumers about the negative debt collection practices they experience. Examples of unlawful creditor behavior includes excessive amount of telephone calls to debtors, misrepresentation of the facts to third parties, threats of arrest, and illegal repossession.
If you have complaints about the collection practices of an OCCC licensed lender, please call the Consumer Assistance Hotline at 800.538.1579 or fill out a complaint form and send it to this agency (mailing address, e-mail address, and fax number provided on the form).
Sometimes lenders contract with independent debt collection firms to manage their accounts. This agency has no regulatory authority over these third-party collectors. If you have a complaint about a professional agency or a third-party debt collector, the Texas Attorney General's Consumer Protection (en español) division can help you determine your rights; call 800.621.0508. You may also want to file a complaint with American Collectors Association of Texas, an organization representing third-party collection agencies in Texas.
Get answers from the American Collectors Association of Texas to their 25 most frequently asked questions about debt collection agencies.
Creditor Harassment: Frequently Asked Questions
The Fair Debt Collection Practices Act requires that debt collectors treat you fairly and prohibits certain methods of debt collection. Of course, the law does not erase any legitimate debt you owe.
Debt collection practices in Texas must comply with both Texas debt collection law and the federal Fair Debt Collection Practices Act. The Federal Trade Commission provides an excellent source of detailed information on its fair debt collection page; most of the text from that page is presented here for your convenience. (FTC page in Spanish)
What debts are covered?
Personal, family, and household debts are covered under the Fair Debt Collection Practices Act. This includes money owed for the purchase of an automobile, for medical care, or for charge accounts.
Who is a debt collector?
A debt collector is any person who regularly attempts to collect debts owed to themselves or others; included in this definition are attorneys who collect debts on a regular basis. Note that fhe federal Fair Debt Collection Practices Act applies only to collectors working for professional collection agencies and attorneys hired to collect debts. Texas law addresses actions taken by anyone trying to collect on a consumer debt.
How may a debt collector contact you?
A collector may contact you in person, by mail, telephone, telegram, or fax. However, a debt collector may not contact you at inconvenient times or places, such as before 8:00 a.m. or after 9:00 p.m., unless you agree. A debt collector also may not contact you at work if the collector knows that your employer disapproves of such contacts.
Can you stop a debt collector from contacting you?
You can stop a debt collector from contacting you by writing a certified letter to the collector telling them to stop. Keep a copy for your records. Once the collector receives your letter, they may not contact you again except to say there will be no further contact or to notify you that the debt collector or the creditor intends to take some specific action. Please note, however, that sending such a letter to a collector does not make the debt go away if you actually owe it. You could still be sued by the debt collector or your original creditor.
May a debt collector contact anyone else about your debt?
If you have an attorney, the debt collector must contact the attorney, rather than you. If you do not have an attorney, a collector may contact other people, but only to find out where you live, what your phone number is, and where you work. Collectors usually are prohibited from contacting such third parties more than once. In most cases, the collector may not tell anyone other than you and your attorney that you owe money.
What must the debt collector tell you about the debt?
Within five days after you are first contacted, the collector must send you a written notice telling you the amount of money you owe; the name of the creditor to whom you owe the money; and what action to take if you believe you do not owe the money.
May a debt collector continue to contact you if you believe you do not owe money?
A collector may not contact you if, within 30 days after you receive the written notice, you send the collection agency a letter stating you do not owe money. However, a collector can renew collection activities if you are sent proof of the debt, such as a copy of a bill for the amount owed.
What types of debt collection practices are prohibited?
Prohibited behaviors include harassment, false statements, and other unfair practices.
Harassment
Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, debt collectors may not:
use threats of violence or harm
publish a list of consumers who refuse to pay their debts (except to a credit bureau)
use obscene or profane language
repeatedly use the telephone to annoy someone
False statements
Debt collectors may not use any false or misleading statements when collecting a debt. For example, debt collectors may not:
falsely imply that they are attorneys or government representatives
falsely imply that you have committed a crime
falsely represent that they operate or work for a credit bureau
misrepresent the amount of your debt
indicate that papers being sent to you are legal forms when they are not
indicate that papers being sent to you are not legal forms when they are
Debt collectors also may not state that:
you will be arrested if you do not pay your debt
they will seize, garnish, attach, or sell your property or wages, unless the collection agency or creditor intends to do so, and it is legal to do so
actions, such as a lawsuit, will be taken against you, when such action legally may not be taken, or when they do not intend to take such action
Further, debt collectors may not:
give false credit information about you to anyone, including a credit bureau
send you anything that looks like an official document from a court or government agency when it is not
use a false name
Unfair practices
Debt collectors may not engage in unfair practices when they try to collect a debt. For example, collectors may not:
collect any amount greater than your debt, unless your state law permits such a charge
deposit a post-dated check prematurely
use deception to make you accept collect calls or pay for telegrams
take or threaten to take your property unless this can be done legally
contact you by postcard
Texas OCCC Advice
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- General Discussions, Registration and Debt Collection-Related News Stories
- ↳ General Discussion
- ↳ News Stories, Articles and Outlines Regarding the FDCPA, Collection Abuses and Debt Collection Issues
- ↳ Social Security and VA [Veterans Administration] Benefits: Can They Be Garnished?
- ↳ Bad Faith Actions: Can Collector Sue You For Fees/Costs?
- ↳ Attorneys: Are They Debt Collectors?
- ↳ Collectors Suing Consumers in the Wrong Venue
- ↳ Least Sophisticated Consumer: What Is It and When Does It Apply?
- ↳ Strict Liability Under the FDCPA
- ↳ Time-Barred Debts: Can These Be Collected On?
- ↳ Threats to Take Action Which Cannot Be Legally Done
- ↳ Harassing, Oppressing or Abusing the Debtor: 15 USC 1692d
- ↳ Unauthorized Practice of Law: Debt Collectors Pretending to be Lawyers or Implying That They Act Like Lawyers
- ↳ Junk Debt Buyers: Who Are They and What Do They Do?
- ↳ Violations of the Automatic Stay and Discharge Order[s] By Debt Collection Acts or Omissions
- ↳ Bad Checks: Collection of Dishonored Checks
- ↳ Demand For Immediate Payment: Is It an FDCPA Violation?
- ↳ Debtor Confusion by Vague or Deceptive Communication
- ↳ Calling Debtors at Work? Calling Friends and Family? Is That Permissible?
- ↳ Mini-Miranda Warning/Notice Mandated By the FDCPA
- ↳ Unjust Enrichment: Louisiana
- ↳ Arrest You? Can a Debt Collector Threaten You With Arrest, Prosecution, etc.?
- ↳ Quotes: On Debt Collection and Its Abuses
- ↳ NARCA: What Is It and What Do They Have to Say?
- ↳ Continuing Legal Education Outlines
- ↳ False Representation That Communication is From an Attorney
- ↳ Other False or Misleading Misrepresentations
- ↳ Unfair Practices By Collectors
- ↳ Collector's Communications With the Debtor and Others
- ↳ Location Information: When and How Can the Collector Contact Debtor or Others to Acquire or Confirm Location Information?
- ↳ Deceptive Forms and Letters: Collector's Use Violates FDCPA
- ↳ Class Actions Under the FDCPA
- ↳ Statute of Limitations [Also Called Prescription Period]: How Long Do Creditors/Collectors Have to Sue You on an Alleged Debt?
- ↳ Excessive Phone Calls, Use of Autodialers and Scripted Messages
- ↳ Pleading Ground Rules: What is Required in Federal Court?
- ↳ Threats to Turn In a 1099-C to the IRS
- ↳ Re-Aging: Debt Collector's Efforts to Revive Obsolete Reportings
- ↳ Can Debt Collectors Curse You or Engage in Name-Calling?
- ↳ FTC Holder Rule: Assignee/Holder of Consumer Credit Contract is Subject to All Claims and Defenses Consumer Has Against Original Seller/Retailer: 16 C
- ↳ Credit Reporting of Unliquidated Claims, Speculative Claims and Unenforceable Claims
- ↳ Debt Collector Misrepresenting Affiliation: 15 U.S.C. 1692e[9]
- ↳ Arbitration, Forum Selection, Choice of Law, Choice of Venue and Other Adhesionary Clauses
- ↳ Additional Collection Fees, Interest, Surcharges and Other Assessments
- ↳ Potential Exposure For Sanctions Due to Filing Bad Faith FDCPA Cases: 15 U.S.C. 1692k[a][3], 28 U.S.C. 1927, and Fed.R.Civ.Proc. 11
- ↳ Collection of Parking Tickets, Traffic Citation Charges, Court Costs and Other Governmentally-Imposed Debts
- The Fair Debt Collection Practices Act: Statute and Definitions
- ↳ FDCPA, 15 USC 1692, et. seq.
- ↳ FDCPA: Purposes and Policies
- ↳ Communication: Specifically Defined Under the FDCPA
- ↳ Consumer : Who is a "Consumer"?
- ↳ Creditor : Who is a Creditor Under the FDCPA?
- ↳ Debt: What Constitutes a "Debt" as Defined by the FDCPA? 15 U.S.C. 1692a[5]
- ↳ Debt Collector: Who is a Debt Collector?
- Cease and Desist Letters, Dispute Letters, and Validation Letters
- ↳ Validation Notice Under the FDCPA
- ↳ Dispute Letters to Collectors
- ↳ Cease and Desist: Calling Off the Debt Collection Dogs: How Do You Do It?
- ↳ Envelopes Marked Up
- Types of Damages, Remedies, and Awards Under the FDCPA and Related State Law Claims
- ↳ Jury and Bench Trial Verdicts and Awards
- ↳ Attorneys' Fees, Costs and Other Non-Damage Awards
- ↳ Injunctive Relief: Can I Get It Under the FDCPA?
- ↳ Declaratory Judgment Relief: Can I Get It Under the FDCPA?
- ↳ Damages Available Under the FDCPA
- Jurisdiction, Venue, Removal to Federal Court, Remand to State Court, and Other Jurisdiction Issues
- ↳ Personal Jurisdiction in FDCPA Cases
- ↳ Jurisdiction and Venue: Where Can You Bring Your FDCPA Lawsuit?
- ↳ Removal to Federal Court and Remand to State Court: Important Considerations When Suing or Being Sued: Do You Want to be in Federal Court or State Cou
- Respondeat Superior, Vicarious Liability, and Whether Others Are Liable
- ↳ Vicarious Liability/Respondeat Superior For Violations of the FDCPA
- FDCPA Preemption, Immunity, Bona Fide Error Defense, and Qualified Immunity
- ↳ FDCPA: Preemption of State Laws
- ↳ Bona Fide Error Defense: The Loophole
- Do You Have a Right to Bring Claims and How Long Do You Have?
- ↳ Standing: An Important Question
- ↳ Statute of Limitations: How Long Do You Have to Sue?
- FDCPA Litigation Strategies and Procedural Issues and Law
- ↳ Settlements, Releases, Confidentiality and Other Things You Need to Kow and Consider If You Settle Pre-Trial
- ↳ Offers of Judgment In FDCPA Litigation
- State Debt Collection Statutes, Cases and Laws
- ↳ Alabama: Debt Collection Act
- ↳ Alaska: Debt Collection Act
- ↳ Arizona: Debt Collection Act
- ↳ Arkansas: Debt Collection Act
- ↳ California: Debt Collection Act
- ↳ Colorado: Debt Collection Act
- ↳ Connecticut: Debt Collection Act
- ↳ Delaware: Debt Collection Act
- ↳ Florida: Debt Collection Act
- ↳ Georgia: Debt Collection Act
- ↳ Hawai'i: Debt Collection Act
- ↳ Idaho: Debt Collection Act
- ↳ Illinois: Debt Collection Act
- ↳ Indiana: Debt Collection Act
- ↳ Iowa: Debt Collection Act
- ↳ Kansas: Debt Collection Act
- ↳ Kentucky: Debt Collection Act
- ↳ Louisiana: State Debt Collection Act
- ↳ Maine: Debt Collection Act
- ↳ Maryland: Debt Collection Act
- ↳ Massachusetts: Debt Collection Act
- ↳ Michigan: Debt Collection Act
- ↳ Minnesota: Debt Collection Act
- ↳ Mississippi: Debt Collection Act
- ↳ Missouri: Debt Collection Act
- ↳ Montana: Debt Collection Act
- ↳ Nebraska: Debt Collection Act
- ↳ Nevada: Debt Collection Act
- ↳ New Hampshire: Debt Collection Act
- ↳ New Jersey: Debt Collection Act
- ↳ New Mexico: Debt Collection Act
- ↳ New York: Debt Collection Act
- ↳ North Carolina: Debt Collection Act
- ↳ North Dakota: Debt Collection Act
- ↳ Ohio: Debt Collection Act
- ↳ Oklahoma: Debt Collection Act
- ↳ Oregon: Debt Collection Act
- ↳ Pennsylvania: Debt Collection Act
- ↳ Rhode Island: Debt Collection Act
- ↳ South Carolina: Debt Collection Act
- ↳ South Dakota: Debt Collection Act
- ↳ Tennessee: Debt Collection Act
- ↳ Texas: Debt Collection Act
- ↳ Utah: Debt Collection Act
- ↳ Vermont: Debt Collection Act
- ↳ Viriginia Debt Collection Act
- ↳ Washington: Debt Collection Act
- ↳ West Virginia: Debt Collection Act
- ↳ Wisconsin: Debt Collection Act
- ↳ Wyoming: Debt Collection Act
- Debt Collection Companies and Attorneys: AAAAAA
- ↳ Account Solutions Group
- ↳ Alegis/Sherman Acquisitions/Performance
- ↳ Allied Interstate f/k/a Coldata
- ↳ Allen, Lewis & Associates
- ↳ Alliance One
- ↳ Allstate Financial/Allstate Adjustment
- ↳ Aman Collection Service
- ↳ American Acceptance a/k/a National Acceptance
- ↳ American Coradius
- ↳ American Legal Recovery
- ↳ Ameriquest Recovery Services
- ↳ AMO Recoveries
- ↳ Ariel Financial Services
- ↳ Arrow Financial Services
- ↳ Asta Funding a/k/a Palisades Collections
- ↳ Asset Acceptance Corp.
- ↳ Atlantic Credit & Finance
- ↳ Attention, LLC
- ↳ Apex Financial A/K/A Hilco Receivables
- Debt Collection Companies and Attorneys: BBBBBB
- ↳ Barnes, Curtis a/k/a Calfin a/k/a Con-America
- ↳ Barnford, Thomas a/k/a Elder, Timothy a/k/a Con-America a/k/a CACV/CACH
- ↳ Baumann Law Firm
- ↳ Bay Area Credit Services
- ↳ Bennett & Deloney
- ↳ Boivin, Lawrence Law Firm
- ↳ Booska, Steven Law Offices
- ↳ Boyajian Law Offices
- ↳ Bronson & Migliaccio
- ↳ Buffaloe & Associates
- ↳ Burgess, Douglas Law Offices
- ↳ Burak, Donald Law offices
- ↳ Bureaus Inc.
- ↳ Burke, Edward T. & Associates
- ↳ BOSS: Business Office Systems and Solutions
- Debt Collection Companies and Attorneys: CCCCCC
- ↳ California Financial Credit Association
- ↳ Cambece, James
- ↳ Capital Corporation AKA Capital Collections
- ↳ Capital Management Services
- ↳ Capital One Bank and its Sister Entities [including Westmoreland Agency]
- ↳ Cavalry Portfolio Services
- ↳ Client Services, Inc.
- ↳ Cohen & Slamowitz a/k/a Gemini Recoveries
- ↳ Collect America a/k/a CACV a/k/a CACH
- ↳ CMKS Holdings, LLC a/k/a Stouwie & Mayo, PLLC
- ↳ Coldata Collection Agency
- ↳ Collect Corp.
- ↳ Collectech Systems
- ↳ Collins Law Office
- ↳ Colonial Credit Corp.
- ↳ Colorado Capital Investments
- ↳ Commonwealth Financial Systems
- ↳ Consumer Recovery Associates
- ↳ Continental Credit
- ↳ Collecto, Inc., d/b/a Collection Company of America
- ↳ Continental Fairways
- ↳ Convergys
- ↳ CPS Investigations
- ↳ Credit Collection Service
- ↳ Credit One, LLC
- ↳ Credit Store [The Credit Store]
- ↳ Credit Systems International
- ↳ Creditors Financial Group
- ↳ Creditors Interchange Receivable Management, LLC
- ↳ Capital Recovery Service [CRS]
- ↳ C. Water Recovery
- ↳ Credit Bureau of the South
- ↳ Credit Collections, Inc.
- ↳ Credigy Receivables
- ↳ Cadle Co., Inc.
- Debt Collection Companies and Attorneys: DDDDDD
- ↳ D.C. Credit Services a/k/a David Cohen
- ↳ De Lage Landen Financial Services
- ↳ Daniels & Norelli, P.C. a/k/a Con America
- ↳ DeFede, John A. Esq. [John Defede, Esq.]
- ↳ DeJana, Richard Esq. [Richard DeJana, Esq.
- ↳ Delta Group aka Joseph, Ortiz & Epstein, LLC
- ↳ Dendy, Michael D. Esq.
- ↳ DMG Consulting
- Debt Collection Companies and Attorneys: EEEEEE
- ↳ Ebbets Partners
- ↳ eCast Settlement
- ↳ Elder, Timothy L. / Barnford, Thomas K.
- ↳ Elite Recovery Services, Inc.
- ↳ Ellis Crosby and Associates
- ↳ Encore Receivable Management
- ↳ Endeavor Financial Partners, LLC
- ↳ ER Solutions
- ↳ Eskanos & Adler, PC
- ↳ Estate Recoveries
- ↳ Evans Law Offices
- ↳ ED Fund
- Debt Collection Companies and Attorneys: FFFFFF
- ↳ Financial Credit Services
- ↳ FBCS Federal Bond & Collection Service
- ↳ Federal Credit Corp.
- ↳ Federal Credit Recovery/FCR Offices
- ↳ First Revenue Assurance
- ↳ French, WC (Bill), Law Offices of
- ↳ First Nationwide Resource Group
- ↳ Federal Adjustment Bureau
- Debt Collection Companies and Attorneys: GGGGGG
- ↳ Go-More Financial, Inc.
- ↳ GC Services
- ↳ Gemini Recoveries, Inc.
- ↳ Giove Law Office, P.C.
- ↳ Global Acceptance Credit Company (GACC)
- ↳ Global Asset Investigation Services, LLC
- ↳ General Revenue Corp.
- ↳ Goggins & Lavintman, PA
- ↳ Gulf State Credit
- ↳ Great Seneca Financial Corp.
- ↳ Greenberg, Grant & Richards, Inc.
- Debt Collection Companies and Attorneys: HHHHHH
- ↳ Hanna, Frederick J. & Assoc.
- ↳ Harker, John W. [CACV]
- ↳ Harrison Ross Byck, Esq.
- ↳ Harry Cohn and Scott M. Miller
- ↳ Hosto and Buchan
- ↳ Household Recovery Services Corp.
- ↳ Hudson & Keyse, LLC
- ↳ Hull & Associates, P.C.
- Debt Collection Companies and Attorneys: IIIIII
- ↳ Integrity Resolution Group, LLC
- ↳ International Portfolio Management
- Debt Collection Companies and Attorneys: JJJJJJ
- ↳ Javitch, Block & Rathbone L.L.P.
- ↳ Joseph, Ortiz & Epstein, LLC a/k/a Delta Group
- Debt Collection Companies and Attorneys: KKKKKK
- ↳ Kay, Mitchell N., P.C. [Law Offices]
- ↳ Kravitz, Schnitzer, Sloane, Johnson & Eberhardy, CHTD
- Debt Collection Companies and Attorneys: LLLLLL
- ↳ Lenahan Law Offices
- ↳ Lang, Richert & Patch
- ↳ LDG Financial Services II, LLC
- ↳ Leasecomm Corporation
- ↳ Legal Recovery Services, Inc.
- ↳ LHR, Inc.
- ↳ Love, Beal & Nixon, PC
- ↳ Lowery, Scott P., P.C. a/k/a CACH, LLC
- ↳ LTD Financial Services, L.P.
- ↳ LVNV Funding, LLC
- Debt Collection Companies and Attorneys: MMMMMM
- ↳ Magnus Services, Inc.
- ↳ Mann-Bracken, LLC
- ↳ Marauder Corporation
- ↳ McKelvey Law Office
- ↳ Meadows Law Office - Sheree Meadows
- ↳ Mel S. Harris & Associates
- ↳ Merchant's Credit Guide Co.
- ↳ Messerli & Kramer
- ↳ Midland Credit Management, Inc.
- ↳ Mims, Jerry M., Lawyer
- ↳ Moore, Gerald E. & Associates
- ↳ MRS Associates, Inc.
- ↳ Myers & Porter, Attorneys
- Debt Collection Companies and Attorneys: NNNNNN
- ↳ NCO Financial
- ↳ National Action Financial Services, Inc.
- ↳ National Acceptance
- ↳ National Asset Management
- ↳ National Asset Services Co.
- ↳ National Attorney's Network
- ↳ National Credit Adjusters
- ↳ National Enterprise Systems
- ↳ National Financial Systems
- ↳ National Revenue Corporation
- ↳ Nationwide Capital Recovery
- ↳ Nationwide Credit, Inc.
- ↳ Neuheisel Law Firm, PC
- ↳ New Horizon Credit, Inc.
- ↳ New Vision Financial
- ↳ North Shore Agency
- ↳ North Star Capital Acquisitions, LLC
- ↳ Northeast Credit & Collections
- Debt Collection Companies and Attorneys: OOOOOO
- ↳ Omnia Credit Services
- ↳ O'Neill Management, Inc. Investigators
- ↳ Ozark Capital Corporation
- ↳ OSI/Outsourcing Solutions
- Debt Collection Companies and Attorneys: PPPPPP
- ↳ Performance Capital Management
- ↳ Pacific Coast Collections (Alliance One)
- ↳ Palisades Collections, LLC
- ↳ Penn Credit Corporation
- ↳ Phillips & Burns, LLC
- ↳ Phillips & Cohen Associates, Ltd.
- ↳ Pinnacle Asset & Capital Management Grp, LLC
- ↳ Plaza Associates
- ↳ Portfolio Exchange
- ↳ Portfolio Management of Amherst, LLC.
- ↳ Portfolio Recovery Associates, LLC
- ↳ Preferred Platinum Plan
- ↳ Prime Asset Recovery, Inc. / www.giovelawofficeexposed.com
- ↳ Pro Collect, Inc.
- Debt Collection Companies and Attorneys: QQQQQQ
- ↳ Quadrant Group LLC - The Recycle Shop
- Debt Collection Companies and Attorneys: RRRRRR
- ↳ Ranieri, Christopher, Law Office of
- ↳ RCS Centre Corp.
- ↳ Redline Recovery Services, LLC
- ↳ Regent & Associates, P.C.
- ↳ Resurgent Capital Services / Sherman Acquisitions
- ↳ Reynolds, Jacobson & Sloane, Attorneys
- ↳ Riddle [Jessie Riddle] & Associates
- ↳ Risk Management Alternatives (RMA)
- ↳ RJM Acquisitions, LLC
- ↳ Roach, Larry, Law Offices of
- ↳ Rosenthal & Colby, Inc.
- Debt Collection Companies and Attorneys: SSSSSS
- ↳ Sherman Acquisitions
- ↳ Sagres Company, (the)
- ↳ Scherr, Harold E. , Attorney / Con-America
- ↳ Schreiber and Associates, PC.
- ↳ Shekinah, Inc.
- ↳ Sherman Financial Group/Alegis (SDB)
- ↳ Specified Credit Association
- ↳ Stanley Weinberg & Associates
- ↳ Steinbrenner, Carl A.
- ↳ Stevens & James Debt Collectors
- ↳ Sky Recovery Services
- Debt Collection Companies and Attorneys: TTTTTT
- ↳ Tabula Rasa, Inc.
- ↳ Taylor, Jay A., PC [Jay A. Taylor, Esq.]
- ↳ Titan Recovery Group
- ↳ Transcontinental Adjustment Corp.
- ↳ Trauner Cohen & Thomas f/k/a Trauner King & Cohen
- ↳ Triadvantage Credit Services
- Debt Collection Companies and Attorneys: UUUUUU
- ↳ Unifund Group Corp. a/k/a Unifund CCR Partners, LLC
- ↳ United Creditors
- ↳ United Legal Corp.
- ↳ United Recovery System
- ↳ US Audit Control
- Debt Collection Companies and Attorneys: VVVVVV
- ↳ Van Ru Credit Corp.
- ↳ Varde
- ↳ Vasques, Luis, Attorney [Luis E. Vasques, Esq.]
- Debt Collection Companies and Attorneys: WWWWWW
- ↳ Wexler & Wexler, PA
- ↳ Wolpoff & Abramson, LLP
- ↳ Weltman, Weinberg & Reis
- ↳ Wendt Law Offices
- ↳ West Asset Management
- ↳ Westmoreland Agency [Capital One Bank]
- ↳ Winn and Sims, PC
- ↳ Wolf, Jack, PA [Jack Wolf, Esq.]
- ↳ Wolpoff & Abramson, LLP
- ↳ Wolter, Warren H, Attorney [Warren H. Wolter, Esq.]
- ↳ Worldwide Asset Purchasing, LLC
- ↳ Wright, Makel Ann, Esq. [Makel Ann Wright, Esq.]
- Debt Collection Companies and Attorneys: ZZZZZZ
- ↳ Zenith Acquisitions Corporation
- ↳ Zwicker & Associates, PC