FAQ

Do you handle only third-party collectors?

Yes. Our specialty is challenging third-party collection accounts where documentation is often incomplete. If a debt buyer or law firm can fully validate, we negotiate instead.

What counts as a successful invalidation?

If the collector fails to provide sufficient validation under FDCPA/Reg F and ceases collection activity; we document this outcome for your records.

Are you a law firm?

No. We are a licensed NYC debt collection agency. We do not provide legal advice. If litigation arises, we can refer you to counsel.

Do you offer credit repair?

No. We are not a credit repair company. We focus on the legality and resolution of collection accounts (validation + settlement).

When do I pay?

Only after an invalidation or a signed settlement agreement. There are no surprise or monthly fees.

Do you work with businesses (B2B)?

Yes. We also provide compliant collection and dispute workflows for NYC businesses and landlords.

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