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What is a Collection Agency?

Debt Collection Agency

AAB is a debt collection agency and we collect commercial and consumer debt for Clients throughout the US. Since 1973 our collection agency has specialized in debt collection.

Debt collection has undergone a transformation over the last 40 years, as a result of new state laws and commercial regulations now governing a debt collection agency. Add in the Fair Debt Collection Practices Act or FDCPA changes and it is easy to see this trend of new laws and commercial regulations will continue to increase collection compliance issues for a debt collection agency.

Debt collection agency regulation compliance is extremely important to agency customers, as potential liability issues can surface if the proper protocols aren’t followed when collecting debt. When shopping for a debt collection agency always keep in mind that you can be held liable for any legal errors committed by your collection agency.

Debt Collection Agency

Commercial debt collection in particular can be a potential minefield if an agency is not licensed properly. Years ago commercial debt collection was exempt from the majority of state licensing and a commercial collection agency didn’t need to be licensed on the state level as a debt collection agency.

Those days are long gone and now almost half of the states require a commercial agency to be licensed in their state as a debt collection agency. Most of these states require bonds and in some cases, complex trust accounts. There is a popular misconception that a commercial collection agency is free to collect commercial accounts anywhere in the US without the need to license as a state debt collection agency.

When choosing a debt collection agency, ask the potential agency what happens in a worst case scenario. What potential liability are you exposed to should an agency employee screw up and do something stupid? It doesn’t matter if a collection agency has a pristine record, stuff happens and you don’t want to have any potential liability because they aren’t properly licensed as a debt collection agency.

Our Debt Collection Agency has your back covered

When you deal with our debt collection agency your liability risk is basically zero. When you list commercial debt with AAB you are protected by $1 Million in errors and omissions insurance and $1 Million in Liability insurance. In other words, if the worst case scenario should ever happen and we screw up, it is our problem and you are shielded by the insurance for our debt collection agency.

AAB commercial collectors have an average of 18 years of collecting debt in the collection trenches. Sales are handled by collection pros with a minimum of 20 years of collection agency experience. Contact an AAB pro today or request a free consultation on the services offered by our debt collection agency.
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