Collection Agency

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Collection Agency

Collection Agency is an entity that is used by the lenders for recovering their past unpaid debts. These agencies are hired only after the lender has made several attempts to recover their debts, but has failed. A lot of lending companies have their own collection agencies or have subsidiaries that act as the same.

How Does Collection Agency Work?

Debt collection agencies have certain tools to track the debtors location. They have various strategies through which they come to meet the debtor in person or contact him/ her over phone, etc. They can contact the borrowers family, friends and employers to ask and gather information about him/ her without disclosing to them the reason for contacting. On successful recovery of the amount from the debtor, the loan lender pays the collection agency a definite percentage of the recovered amount.

Guidelines for the Collection Agencies

The debt collection agencies are regulated both by the state and federal laws such as the Fair Debt Collection Practices Act. These laws protect the debtors and have set some guidelines that every collection agency have to abide. Some of them are mentioned below: -

Debtors cannot be contacted at any unusual places such as funerals, etc.
The collectors are bound to give their names and the creditor if the borrower specifically asks about that.
They are not allowed to call the debtors outside the fixed time frame of 8 am to 9 pm.
The collectors cannot use abusive languages or threat the borrowers in order to recover the money from them.

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Reviews are the independent opinions of our users, and we do not hold any of them to be representative of all CashAmericaToday borrowers' experience.

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We are registered with Utah's Department of Financial Institution to provide Consumer Credit. If you submit this application via the internet to us, we will receive and process it the same as if you submitted it to us in person thereby making Utah the place of negotiation, execution and performance of all applications and/or agreement. If we approve your application, the funds will be disbursed from our account in Utah. Utah law governing consumer loan agreements may differ from the laws of the state where you reside. Applicant is responsible for complying with all statutory obligations regarding obtaining loans by internet that may exist in their state of residence. This service may or may not be available in your particular state.

CashAmericaToday does not perform any credit checks through the three major credit bureaus Experian, Equifax or TransUnion. We collect required information regarding debtors' creditworthiness from a third party source.

Approval time depends on the authenticity and verifiability of your documents. You might be requested to provide further information if required. Note that we do not approve all the loan requests. On the basis of state laws and your repayment ability, the terms and rates may vary. Any loan requested on Friday after 6:00 PM CST will be processed on the next business day which is usually Monday- unless it is a holiday.

Should you have any doubts, please call our customer support at (855) 840-5688, Monday-Thursday: 7:00 AM to 4:30 PM (CST) or email to support@cashamericatoday.com.

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