Advertising that your agency is PPMS certified
Adopting an internal code of conduct in addition to ACA’s Code of Ethics
Collect on accounts in other states
Threatening or initiating collection litigation on time barred debts
Notate the account that we have not responded to the written request for verification, and continue collection efforts.
Direct or request removal of the item from the consumer's credit report or report the item as disputed to the appropriate credit reporting agency, at the collector's next available opportunity.
Notify their direct supervisor of the lack of documentation to verify the account, and reduce the call/letter frequency for that account.
Notify the client of our inability to verify the debt and continue collection attempts until the client tells you they are unable to provide documentation as well.
Delete data furnished to a consumer credit reporting agency upon cancellation and return of an account to the creditor, forwarder or party holding title to the account.
Continue reporting data for a canceled account to a consumer credit reporting agency, even if another agency, forwarder, or party holding title to the account has taken over the account.
Ensure to furnish data to a consumer credit reporting agency even if authorization from client has not been obtained.
Report on accounts in a manner than best enables an agency to collect on that account, e.g. alter the balance, date of last payment, date of listing, etc. to motivate payment from the debtor.
All of the Above
Treat consumers with consideration and respect
Adopt the FISH Philosophy in your agency.
Comply with its contractual obligations to the National Automated Clearing House Association (NACHA).
Communicate with consumers with honesty and integrity