Debt Collection Compliance
Pacific Collection Group is a member of the California Association of Collectors and ACA International. We adhere to strict ethical standards. If your account was assigned or purchased from a Collection Agency it's important to know you have rights. You also may be able to settle your account, set up a payment arrangement, or work with the agency to resolve the account.
Where to start? See our Blog, Q&A below, and some key protections you have when you are communicating with collectors. We've provided a searchable copy of the "Fair Debt Collection Practices Act" below as well as some other protections you may have.
Please note that the format of the text differs in minor ways from the U.S. Code and West’s U.S. Code Annotated. For example, this version uses FDCPA section numbers in the headings. In addition, the relevant U.S. Code citation is included with each section heading. Although the staff has made every effort to transcribe the statutory material accurately, this compendium is intended as a convenience for the public and not a substitute for the text in the U.S. Code.
This list does not contain a full list of your rights but many are included.
Fair Debt Collection Practices Act
Phase 1A (Currently eligible)
• Long-term care facility residents
Health care personnel including, but not limited to:
• Emergency medical service personnel
• Nursing assistants
• Dental hygienists
• Pharmacy technicians
• Health professions students and trainees
• Direct support professionals
• Clinical personnel in school settings or correctional facilities
• Contractual HCP not directly employed by the health care facility
• Persons not directly involved in patient care but potentially exposed to infectious material that can transmit disease among or from health care personnel and patients
• Persons ages 65 and older
• Chronic kidney disease
• Down Syndrome
• Heart conditions, such as heart failure, coronary artery disease, or cardiomyopathies
• Immunocompromised state (weakened immune system) from solid organ transplant or from blood or bone marrow transplant, immune deficiencies, HIV, use of corticosteroids, or use of other immune weakening medicines
• Obesity (body mass index [BMI] of 30 kg/m2 or higher but < 40 kg/m2)
• Severe Obesity (BMI ≥ 40 kg/m2)
• Sickle cell disease
• Type 2 diabetes mellitus
Phase 1B (Currently eligible)
• People in congregate settings not otherwise specified as LTCF and persons receiving home and community-based services
• First responders
• Correctional officers and other workers serving people in congregate care settings not included in Phase 1A
• Food and agricultural workers
• U.S. Postal Service workers
• Manufacturing workers
• Grocery store workers
• Education workers
• Clergy and other essential support for houses of worship
• Public transit workers
• Individuals caring for children or adults in early childhood and adult day programs
Phase 1C (Currently eligible)
Essential workers in these sectors:
• Transportation and logistics
• Water and wastewater
• Food service
• Housing construction
• Finance, including bank tellers
• Information technology
• Energy, including nuclear reactors
• Legal services
• Federal, state, county and local government workers, including county election workers, elected officials and members of the judiciary and their staff
• Public safety
• Public health workers
Phase 2 (Eligible starting April 13)
All individuals not previously covered who are 16 and older and do not have a contraindication to the vaccine (note that at this time, only the Pfizer-BioNTech product is approved for those age 16 and 17)
Here is the full text of the actual law.
Frequently asked questions
I didn't sign a contract. Is a signature required?
The answer is yes, in many cases however, for others, no. The same conditions apply to unwritten verbal agreements as do the written agreements. Both are legally enforceable contracts between you and the creditor. Oral agreements have their own stature of limitations in your individual state.
I didn't receive a bill or notice from the creditor prior to receiving a collection notice.
The creditor is not required by law to let you know it's referring your account to a collection agency. There are rare exceptions to this rule. We do not collect on these rare exceptions. Any company can use the services of a third party collection agency to notify you of the delinquency.
Can I work this out with the creditor directly?
Legally, once the debt has been assigned to the collection agency, it is the collection agency that is entitled to receive all payments. The collection agency becomes the "owner" of the debt you owe. The collection agency is responsible for collecting the debt and is the only one who can agree to payment terms. The creditor is barred from communicating with you regarding the account once we take the claim.
I believe I don't own the bill. What do I do?
If you believe you do not owe the bill, or if the bill has already been paid, send us a written explanation along with copies of receipts, cancelled checks and any other information to back up your claim. It is important to send your letter within 30 days after your first contact from the collection agency. Once we receive your dispute letter, we must stop further attempts to collect the debt until we sends you written verification to show that you do owe the bill and that the amount of the bill is correct. If you are questioning only a part of the bill, we may not continue to collect on that part until we has provided verification, but you must make arrangements to pay the rest of the bill.