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: (702) 645-9710. We serve clients statewide across Nevada.

Medical debt for Nevada healthcare providers, commercial / B2B receivables, judgment recovery, landlord and property management collections, 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.

Most placements are performance-based — you pay only when we recover. 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. You don't pay to onboard, you don't pay if no recovery occurs, and there's no monthly fee to keep accounts active.

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.

Nevada SB 248 (NRS 649.366, 649.367, 649.368) requires a 60-day written notification before collection activity, caps medical collection fees at 5%, and treats payments during the notification period as voluntary. Our medical workflow is built around these requirements from day one. See our SB 248 guide.

Our medical workflows are HIPAA-aware — encrypted data transmission, role-based access, BAA execution, and minimum-necessary disclosure. We sign a Business Associate Agreement with every medical client. See our HIPAA Checklist.

Standard onboarding is straightforward — service agreement, secure data transmission setup, and (for medical clients) a Business Associate Agreement. 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 larger clients we support direct integrations with major EHR, billing, and property management platforms.

Net or gross remittance per your agreement. Monthly is standard; alternative schedules available for high-volume clients. Trust account funds are held separately under NRS 649.345.

Nevada law (NRS 649.332) and the FDCPA both require collection agencies to respond to written disputes with verification. When we receive a dispute, collection activity is suspended pending review, and we respond in writing per applicable NRS 649.332 requirements. See our Dispute & Verification page.

Yes — for non-medical accounts and for medical accounts after the SB 248 60-day notification window closes. 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.