For sellers

Debt buying by collection agencies is legal in the U.S.; federal and state laws protect consumers' rights to validation, dispute, and protection from harassment.

Learn Colorado's debt timelines: most consumer debts are enforceable for 6 years (3 years for oral claims), when the clock starts, and how payments restart it.

San Antonio debt collection guide covering pricing (contingency vs flat fee), legal requirements, top local firms, the collection process, and choosing compliant agencies.

Breakdown of contingency, flat, and extra fees, state differences, recovery rates and practical ways to reduce net collection costs and compliance risks.

Guide to Palm Beach debt collection: FCCPA/FDCPA compliance, judgment enforcement, garnishments, negotiations, and tech tools for effective recovery.

Miami debt collection guide: navigate FDCPA/FCCPA, licensing, fees, recovery methods, and when to sell portfolios for fast cash.

Clear guide to Tampa debt collection: Florida statutes of limitations, collection tools, consumer protections, court procedures, and how to choose an attorney.

How nationwide law firms recover multi-state consumer debt via litigation, garnishments, AI analytics, and strict FDCPA/Reg F compliance.

Overview of New Mexico's 4- and 6-year debt limits, when payments restart the clock, and collector disclosure and licensing rules.

Overview of Louisiana debt collection rules, including prescriptive periods, licensing, communication limits, garnishment rules, and penalties for violations.

Overview of Mississippi debt collection laws: statutes of limitations, licensing, wage garnishment limits, consumer protections, and compliance risks.

Overview of Dallas debt collection rules, TDCA/TCPA compliance, the 4‑year statute, 7‑7‑7 limits, and tech-driven collection and negotiation strategies.