Frequently Asked Questions

Yes. We're licensed by the Nevada Financial Institutions Division (FID) and registered with NMLS (NMLS 2364012). Nevada Collection Agency License CAD11901. Verify our license at NMLS Consumer Access.

Our principal office is at 304 S. Jones Blvd #2596, Las Vegas, NV 89107. Phone: (725) 255-4437. We serve clients statewide across Nevada.

Commercial / B2B receivables, judgment recovery, and utility / municipal accounts. We do not purchase consumer debt portfolios, service payday loan portfolios, student loan debt, or federal government debt.

Yes. If your business is headquartered outside Nevada but your debtors are in Nevada, we can service those accounts under our Nevada license. For debtors in other states, we coordinate through affiliated entities.

Standard collection commissions are contingency-based and payable only from recovered funds. Approved court, filing, service and attorney expenses may be advanced or billed separately under the agreement, even if recovery is unsuccessful. Specific contingency rates depend on debt age, type, balance size, documentation quality, and volume. We provide pricing after a free portfolio review. See our Pricing page.

No. Standard placements have no setup fees and no monthly minimums. There is no standard onboarding or monthly fee. Separately approved court, filing, service and attorney expenses may still be payable under the agreement even without recovery.

We don't publish a hard minimum. The portfolio review process helps you determine whether placement makes economic sense given account age, balance distribution, and debt type.

Standard onboarding is straightforward — service agreement and secure data transmission setup. Most clients are placing accounts within a few business days of agreement signature.

Yes. We handle agency-to-agency transitions regularly. The process involves a data transfer, credit bureau metro reporting update, and standard onboarding.

SFTP placement is the standard for ongoing portfolios. For smaller operators, we accept formatted spreadsheet exports. For other billing-system integrations, confirm compatibility, scope and any separate costs before placement.

Net or gross remittance per your agreement. Monthly is standard; alternative schedules available for high-volume clients. Separate customer trust accounts are governed by NRS 649.355.

NRS 649.332 requires an agency verifying a claim to obtain or attempt to obtain creditor documents reasonably responsive to the dispute and mail documents it obtains. For covered consumer debts, a written dispute within the FDCPA validation period triggers a collection pause until verification is mailed under 15 U.S.C. 1692g(b). The Nevada section is not a blanket pause rule for every dispute. See our Dispute & Verification page and the Nevada statute.

Yes. Credit reporting follows FCRA requirements with metro 2 formatting.

Yes. Many clients have portfolios that span multiple verticals. We handle mixed placements and route each account to the correct workflow based on debt type.

Bankruptcy triggers an automatic stay. Active collection ceases immediately upon notice of a bankruptcy filing. A judgment obtained before the bankruptcy filing may survive depending on the chapter and the nature of the debt. Contact us and consult counsel immediately upon notice of a debtor's bankruptcy filing.