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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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I ve used cashamericatoday quite a few times now and I have had absolutely no problems with them at all. They are extremely friendly, and courteous and get the money to you by the next day, I would highly recommend them. Excellent company in my opinion!!

William Buck

Quick approval, I had a couple of questions on the loan before I accepted it. I had no problem getting ahold of someone to discuss this. They gave me a call to verify my payment options so there was no miscommunication. Great experience

Rodney Boyd

It was quick and easy. Did most everything online and talked with a representative to confirm details and was done. Very kind and knowledgeable. I would definitely recommend and will use them again in the future.

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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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Applying Does NOT Affect Your Credit Score

CashAmericaToday is registered with the Utah Department of Financial Institutions to offer consumer credit services. When you submit your application to us online, it will be processed just as if you had submitted it in person, establishing Utah as the jurisdiction for the negotiation, execution, and fulfillment of all applications and agreements. If your application is approved, the funds will be disbursed from our account in Utah. Please note that Utah's laws governing consumer loan agreements may differ from those of your home state. It is the applicant's responsibility to adhere to all statutory requirements related to obtaining internet loans in their state of residence. Please be aware that this service may or may not be available in your specific state, and loans are not offered in the state of Michigan.

CashAmericaToday is a brand of Silver Financial Capital. The purpose is to meet your short-term borrowing needs, not long-term financial needs. Please note that this is an expensive form of borrowing. The loans and lines of credit may be used for whatever reason you need, like unexpected emergencies, car repairs, medical bills, or travel expenses. In addition, alternative forms of financing like credit card cash advances, personal loans, and home equity lines of credit might be more affordable and better suited to your needs.

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, 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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