Licensing

Is Your Commercial Collection Agency Operating Legally? Many commercial collection agencies are not properly licensed. When you deal with us, you can be confident that we are licensed.
One significant reason to make sure your agency is legally permitted to collect debt are:
- Licensing helps protect your business.
  - Many states have licensing requirements for commercial collection agencies. These requirements have been legislated to help ensure that commercial collection agencies operate in accordance with defined business practices and the law. While licensing criteria vary from state to state, typical requirements may include:
    - Registration of collectors with the state
    - Testing of agency management
    - Audits of collection letters prepared by the agency
    - Trust requirements
    - Bonding of the agency
    - Audits of agency operations
- Some Commonly Asked Questions About Licensing
  - How do I know if my agency is licensed? States with licensing requirements issue certificates to those agencies that comply with their laws. Ask for a copy of the certificate.
  - If my agency is a member of a commercial collection industry association, does that mean it is properly licensed? Not necessarily. While these types of organizations have guidelines that require their members to operate in a professional and ethical manner, the membership process does not require evidence of state licensing.