Who is calling you? The company directory
Type the name on the letter, the caller ID or your credit report. Each page says what the company is, how to check that a call or letter is real, what the law forbids it to do, and what the public record shows, with a source for every fact. No page says a company broke the law; where a court or agency found or alleged something, the page says which and links to it.
Most people meet a debt collector before they know its name: a missed call, a text with a link, a letter from a company they never did business with. Start with the name you have.
No company in the directory matches that name yet. It can still be breaking the law: check what it did or ask us.
Debt buyers and collection agencies
A debt buyer owns accounts it bought after the original lender wrote them off. A collection agency collects for someone else. A collection law firm is a debt collector too when it regularly collects consumer debts. All three are covered by the Fair Debt Collection Practices Act; see who is a debt collector.
- Jefferson CapitalDebt buyer · Charged-off and bankruptcy accounts, Minnesota
- Midland Credit ManagementDebt buyer · Encore Capital's buyer and collector, San Diego
- LVNV Funding and ResurgentDebt buyer · Account owner and its servicer, Greenville, SC
- Portfolio Recovery AssociatesDebt buyer · PRA Group's debt buyer, Norfolk, VA
- Credit Collection ServicesCollection agency · Insurance, utility and telecom balances, Norwood, MA
- IC SystemCollection agency · Collects for medical, telecom and other clients, Minnesota
- National Credit SystemsCollection agency · Apartment move-out balances, Georgia
- Caine & WeinerCollection agency · Collects for other companies, Sherman Oaks, CA
- Spring Oaks CapitalDebt buyer · Buys and services consumer accounts, Chesapeake, VA
- Transworld Systems (TSI)Collection agency · Healthcare, financial and other clients; 2017 CFPB order
- National Credit AdjustersDebt buyer · Buys and services accounts, Hutchinson, KS; 2018 CFPB order
- Radius Global SolutionsCollection agency · Collections and call center, Edina, MN
- TrueAccordCollection agency · Collects mainly by email and text
- Aldous & AssociatesCollection law firm · Utah law firm; gym and apartment balances
- Sunrise Credit ServicesCollection agency · Long Island, New York, since 1974
Credit bureaus and screening companies
These companies do not collect debts. They sell reports about you to lenders, banks, landlords and employers, and the Fair Credit Reporting Act requires them to follow reasonable procedures for accuracy and to reinvestigate your disputes. See credit reports.
- EquifaxCredit bureau · Nationwide credit bureau, Atlanta
- ExperianCredit bureau · Nationwide credit bureau, Costa Mesa, CA
- TransUnionCredit bureau · Nationwide credit bureau, Chicago
- ChexSystemsBank account reports · Checking account history for banks
- CheckrBackground checks · Employment and gig-work screening
- HireRightBackground checks · Employment screening; 2012 FTC order
- RealPageTenant screening · Rental applicant screening; 2018 FTC order
How to read these pages
- Facts come with sources. What each company is, where it is based and who owns it comes from the company's own website, its SEC filings, or a government listing, linked on the page.
- Phone numbers. We publish a number only if it appears on the company's own website or an official government listing we checked, and we say where it came from. If we could not confirm one, we leave it out. Always call back on a number you looked up yourself.
- Complaint counts. Counts come from the CFPB Consumer Complaint Database for September 1, 2025 through September 1, 2026, pulled on September 29, 2026, with a link to the search. Complaints are unverified consumer reports, not findings of wrongdoing.
- Orders and decisions. Where a court or agency found, alleged or decided something, we say which, with the date and a link. Where the source says the company did not admit wrongdoing, so do we.
- Licenses. New York City license facts come from DCWP's issued-licenses list on NYC Open Data as of September 29, 2026. Licenses change; check the list yourself.
If you have been sued, do not ignore the papers. The answer deadline is short. Read sued by a debt collector.
The FDCPA and the FCRA each require a company found liable to pay the consumer's reasonable attorney's fees and costs.
Common questions
The company calling me is not in the directory. What do I do?
Ask the caller for its full name, address and the name of the original creditor, and ask for the validation notice in writing. Then look it up in the CFPB complaint database and, in New York City, in the DCWP license list. The same rights apply to every debt collector.
Does a high complaint count mean a company broke the law?
No. Complaints are unverified consumer reports, not findings of wrongdoing. Large companies handle millions of accounts, so their counts are larger. What matters for you is what the company did in your case.
Why do three different company names appear on one debt?
A debt can have an owner, a servicer and an outside agency or law firm collecting it. The validation notice should name the current creditor. Each company that collects is responsible for following the law.
Tell us what they did.
One conversation with an attorney, in your language. We tell you which laws the collector or the credit bureau broke, which deadline runs first, and what to save this week. If it is not a case we can take, we say so and tell you where to go.
(718) 484-7510The FDCPA and the FCRA require a company found liable to pay the consumer’s reasonable attorney’s fees and costs. Our fee arrangement is confirmed in a written retainer before we begin. English, Russian and Spanish in-house; an interpreter for any other language.