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Licensed Professional Debt Collections in Washington, Oregon & Idaho

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Our services don’t require an initial payment; we only take a percentage if we are successful in collecting the debt.
We specialize in collecting various types of unpaid debts, such as invoices, tow tickets/liens, bills, judgments, and utilities.
If you have a debt that you’re not sure we can help with, please don’t hesitate to call us at (564) 208-4838.
Our debt collection methods include sending letters, making phone calls, garnishing wages, pursuing litigation, and skip tracing.
We prioritize compliance with state and federal regulations, including FDPPA, FDCPA, CFPB, FCRA, and HIPAA, in order to avoid potential class action lawsuits.

Debt Collection Services

Reviewing and prioritizing accounts: At Atlas Financial Services we review each client’s accounts receivable reports individually and prioritize which accounts to work on based on factors such as the amount owed, the age of the debt, and the debtor’s payment history.
Contacting debtors: Atlas Financial Services uses various methods to contact debtors, such as phone calls, letters, and emails. We also use skip-tracing techniques to locate debtors who have moved or changed their contact information.
Negotiating payment arrangements: Our debt collectors may work with debtors to negotiate payment plans or settlements that work for both parties. They may also offer incentives for debtors who pay in full or make timely payments.
Documenting communications: Our debt collectors must document all communications with debtors, including the date and time of the communication, the content of the conversation, and any agreements reached.
Resolving disputes: Our debt collectors must investigate and resolve any disputes or complaints raised by debtors, such as disputes over the validity of the debt or accusations of harassment or unfair practices.
Reporting to clients: Our debt collection agencies report our progress to our clients regularly, including the status of accounts, amounts collected, and any issues or challenges encountered.
Litigation: If negotiations and settlement options fail, debt collection agencies can take legal action on behalf of the business. This can include filing a lawsuit, obtaining a judgment, and garnishing wages or bank accounts. While legal action should always be a last resort, debt collection agencies can help businesses to take the necessary steps to recover outstanding debts.
Credit Reporting: Debt collection agencies also offer credit reporting services. This involves reporting unpaid debts to credit bureaus, which can impact a customer’s credit score. This service can be useful for businesses that are struggling to collect on past-due accounts, as it can encourage customers to make payments to avoid damaging their credit score.