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What is a legal debt collection agency?



For those who are new to debt collection problems here is some basic information to answer the question, what is a debt collection agency? You will also find tips on selecting a collection agency to collect your debt and what to avoid when selecting a debt collection agency.

The first consideration when selecting a collection agency is whether the agency is licensed and bonded to legally collect your debt. State laws vary from state to state and you will find the laws and regulations for each state on our website. If you use a collection agency that isn’t properly licensed in a state to collect your debt, you could be exposing yourself to potential liability should the agency breach a state’s collection laws. Make sure you are dealing with a legal debt collection agency.

Select a Collection Agency with experience in the type of debt you need collected



Like different types of debt there are different types of debt collection agencies. If the debt you need collected is business to business then you should be looking at selecting a commercial collection agency. If the debt is for individuals then you should consider at retail or consumer debt collection agency.

There are very few collection agencies that are proficient in collecting consumer and commercial debt. AAB has been handling consumer and commercial debt for over 40 years and we have highly trained collection professionals in both of these specialized fields of debt collection.

Does the Collection Agency have a proper credit infrastructure



A proper credit infrastructure is critical to debt collection. Information is knowledge and negotiation power when collecting debt. When selecting a collection agency, be sure to find out if they are able to report your debtor to the major credit bureaus. This will tell you how sophisticated their credit information systems and technology are and their fields of experience as a debt collection agency.

There are numerous other indicators and an AAB professional would be pleased to answer and questions or concerns you may have. Give us a call or schedule a free consultation with our debt collection agency.
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