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Posted on 1 July 2012 | 18,901 views

The Worst Collection Agencies who Skirt the Law on Zombie Debt

Collection agencies can be found in two different forms: in-house collection and third-party collection. The in-house collection agencies are most often the billing department for a credit agent or large firm which offered time payments. These are used to collect money while keeping the collection costs low and within the company. Most often this will be the first collection attempt you will come across.

Third-party or outside agencies are those which are hired by a firm to collect a past due amount. These are the most common types of collection agents people come into contact with. These companies either work on percentage or purchase charged-off debt from the original creditor.

Many collection agencies and their agents work off a percentage of what debts or payments they can collect. Others purchase your debt for pennies on the dollar and then attempt to collect the full amount. Usually if a debtor pays off what they owe, the collection agency makes money from either the payments or from the difference between the costs of buying the debt and the amount collected. In most cases, the collection agency makes from one-quarter to one-half of the full amount as profit. If the collection agency cannot collect the debt, they will often sell the debt to another agency to break even and look for more successful accounts; this usually creates the involvement of three or more agencies with one account while the original creditor has written off the account as a loss.

Collection agencies have four methods to collect a debt: letters, direct contact, reporting the debt to credit reporting bureaus and suing for the debt. Suing for the debt is the least used method because of cost and time consumed. Letters and direct contact are the most often used and can be the most successful methods. If a constant stream of letters or phone calls does not yield results, often the threat of bad credit will bring results. Most collection efforts will be made with form letters and pre-recorded call messages to save on costs and the need for employees. This allows a collection agency to manage its efforts to collecting money from a greater number of accounts.

Debt collection agencies often use flexible payment options to work out an agreement. Some agencies use a discount option where the debtor can pay half of the debt owed to settle the account. This is usually the case when the debt is very old or very large and is used to cover costs and clear dated accounts.

Zombie Debt collectors refers to old debt purchased by debt collectors hoping to intimidate consumers into paying the debt. If you’re contacted by a collection agency about an old debt, don’t give in immediately. You have several tools you can use to fight back.

Here is the list of the worst collection agencies who purchase Zombie Debt.

Academy Collections

Account Solutions Group

Advanced Credit Collections

Advanced Credit Recoveries

Anderson Financial Network, Inc.

AIS Services, LLC

Alegis Group, LP/Sherman Financial Group aka LVNV Funding, LLC

All American Financial Associates

Allen, Lewis & Associates, Inc

Alliance One, Inc

Allied Collection Service

Allied Interstate, Inc.

Allstate Financial Services dba Allstate Adjustment Bureau

Aman Collection Service

American Acceptance

American Coradius, Inc.

American Credit Collections, LLC,

American Debt Services

American Legal Recovery

American Payment Systems

Ameriquest Recovery Services

AM Mortgage Brokers

AMO Recoveries

Anchor Receivables Management

Anderson Crenshaw & Associates

Apothaker & Associates, LLC

Ariel Financial Services

Arrow Financial Services

Ascent Card Services, LLC

Asta Funding

Asset Acceptance Corp.

Atlantic Credit & Finance

Aurora, Gold & Associates, LLC


Baker, Lawrence, Attorney

Bamford, Thomas K./Elder, Timothy L.

Barnes, Curtis, O. Con-America

Bass and Associates

Baumann Law Firm

Bay Area Credit Service

Bennett & DeLoney, PC.

Blatt, Hasenmiller, Leibsker & Moore

Bluebonnet Financial

Boivin, Lawrence R., Lawyer

Booth and Associates

Booska, Steven A.

Brachfeld & Associates, P.C.

Brady and Caruso

Bronson & Migliaccio, LLP

Buffaloe & Associates, Lawyers

Burak, Donald S. Attorney

The Bureaus, Inc.

Burgess, Douglas R.   CLOSED

Burke, Edward T. & Assoc, P.C.

Brumbaugh & Quandahl


C. Barry & Associates, LLC

Caferella, Jason J., Attorney

California Financial Credit Association

Cambece, James A. aka/Tough Tony

Cambridge, Huxley, and Associates

Capital Management Services

Capital Recovery Services Group

Cavalry Portfolio Services, LLC

Check and Merchant Services

Civil Claims Asset Investigative Services

Claims & Warrants

Clark, Richard

Client Services, Inc.

Cobra Collection Agency


CMC Recovery Services, Inc.

CNE Associates, LLC

Cohen & Slamowitz, LLP

Collect America, CACV aka CACH, LLC

Collect Corp Inc

Collectech Systems, Inc.

Collins Law Office

Colonial Credit Corporation

Commonwealth Financial Systems

Consumer Credit Association

Consumer Recovery Associates


Coastal Asset Management

CPS Investigations

Credit One, LLC

Credit Services, FAIC

Credit Systems International

Credit Recovery Corp.

Creditors Financial Group

Creditors Interchange Rcvble Mgmt, LLC

CRS Capital Recovery Services


Daniels & Norelli, P.C.

DeJana, Richard

Delta Group aka Joseph, Ortiz & Epstein, LLC

DeLoney Law Group, PLLC

Dendy, Michael D.

DMG Consulting

Eastern Asset Management, LLC

Elder, Timothy L./Barnford, Thomas K

Elite Recovery Services, Inc. CLOSED

Ellis Crosby and Associates

Empire Recovery Group

Encore Capital Group

Encore Receivable Management

Endeavor Financial Partners, LLC

ER Solutions

Eskanos & Adler, PC

Estate Recoveries

Ethical Asset Management, LLC

Falzone Law Associates

Financial Credit Services

FBCS Federal Bond & Collection Service

Federal Credit Recovery/FCR Offices

First Financial Asset Management

First Revenue Assurance

First Resolution Investment

Firstsource Solutions, LLC


Fortis Financial Group

Genesis Financial Corp.

GC Services

Gemini Recoveries, Inc.

Genesee Valley Associates (GVA)

Global Acceptance Credit Company (GACC)

Global Vantedge

Goggins & Lavintman, PA

Graham Noble and Associates

Great Seneca Financial Corp.

Greenberg, Grant & Richards, Inc.

Greenman and Donahue, Inc.

Greystone Alliance LLC

Gurstel, Staloch & Cargo

Hanna, Frederick J. & Assoc.

Harris & Dial, PC

Hollander Law Offices

Hosto and Buchan

Houston Funding Corp.

HOV Financial

Hudson & Keyse, LLC

Hull & Associates, P.C.

Integrity Resolution Group, LLC

Javitch, Block & Rathbone LLP

Jefferson Capital Systems

Joseph, Ortiz & Epstein, LLC aka Delta Group

Kay, Mitchell N., P.C.

Kingman, Cole & Associates

Landis, Thomas

Lang, Richert & Patch

LDG Financial ServicesII, LLC

Leading Edge Recovery Solutions

Leasecomm Corporation

Legal Recovery Services, Inc.

Linebarger, Goggan, Blair & Sampson, LLP

Love, Beal & Nixon, PC

Lowery, Scott P., P.C. aka CACH, LLC

LP Investments, Inc

LTD Financial Services, L.P.

LVNV Funding, LLC

Mann-Bracken, LLC

Marauder Corporation

Marshall & Ziolkowski

Mel S. Harris & Associates

Mercantile Adjustment Bureau

Merchant’s Credit Guide Co.

Meridian Management Solutions

Messerli & Kramer

Midland Credit Management, Inc.

Midpoint Resolution Group

Minority Legal Network

Moore, Gerald E. & Associates

MRS Associates, Inc.

Myers & Porter, Attorneys

National Action Financial Services, Inc.

National Asset Management

National Credit Adjusters

National Enterprise Systems

National Financial Systems

Nations Recovery Center, Inc

Nationwide Capital Recovery

Nationwide Credit, Inc.

NCO Financial Systems

Neuheisel Law Firm, PC

New Horizon Credit, Inc.

North American Asset Investigation Bureau, LLC (NAAIB)

North Star Capital Acquisitions, LLC

Northstar Location Services, LLC

Northeast Credit & Collections

Nu Island Partners, LLC

O’Neill Management, Inc. Investigators

Ozark Capital Corporation

OSI/Outsourcing Solutions

Palisades Collections, LLC

Peak Financial Services, LLC

Pennisi, Daniels & Norelli

Performance Capital Management

Platinum Capital

Phillips & Burns, LLC

Phillips & Cohen Associates, Ltd.

Pinnacle Financial Group

Plaza Associates

Portfolio Exchange

Portfolio Management of Amherst, LLC.

Portfolio Recovery Associates, LLC

Preferred Platinum Plan

Prime Asset Recovery, Inc.

Pro Collect, Inc.

Pressler and Pressler

Quadrant Group LLC


Ranieri, Christopher, Law Office of

Rannefeld, Blue W.  Attorney

RCS Centre Corp

Redline Recovery Services, LLC.

Red Rock Lake Financial

Regent & Associates, P.C.

Resurgence Financial, LLC

Resurgent Capital Services/Sherman

Reynolds & Jacobson

Riddle & Associates

Riverwalk Holdings, LTD

RJM Acquisitions, LLC

Roach, Larry, Law Offices of

Rosenthal & Colby, Inc.

Ross and Newman

SC Associates

Scherr, Harold E. , Attorney

Scott, Michael J., PC

Shekinah, Inc.

Sherman Financial Group/Alegis (SDB)

State Predisposition Office

Streeter, Sam W., Lawyer

Superior Asset Management

Taylor, Jay A.  P.C. Attorney

Titan Recovery Group, LLC

Trak America Enterprises, LLC

Trauner, Cohen & Thomas

Triadvantage Credit Services

Tri-Financial, LLC

TrueLogic Financial Corp.

Tyler and Morgan Acquisitions, Inc.

Unifund Group Corp.

United Abstract Group, Inc.

United Debt Solutions

United Legal Corporation

United Recovery Systems

US Audit Control

Van Ru Credit Corp


Vasques, Louis, Law Office of

Vision Credit Solutions, LLC

Weinberg, Stanley & Associates

Weltman, Weinberg & Reis

West Asset Management Inc.

Western Capital – SLC, Utah

Winn and Sims, P.C

Wolpoff & Abramson

Worldwide Asset Purchasing, LLC

Worldzen Collections and Recovery LLC

Zenith Acquisition Corp.

Zwicker & Associates, P.C.

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