Indeed, according to Rees around $400 million [around R5. I also understand that Advent told me the amount of $699. 10 years in business. The company has an annual revenue of $334. Since an ownership interest in an LLC is considered a personal asset, it may be subject to debt collection. Balanced Healthcare Receivables LLC is a collection agency located in Nashua, NH. Balanced Healthcare Receivables, LLC (BHR, LLC) provides its debtors the ability to receive text communications regarding account status updates, including the ability to. Detach the payment stub from your billing statement and mail it in with your payment. Track the source of the debt by reaching out to your creditor to see if it has any information about the debt in question. A charge-off is a debt that the original creditor has given up trying to collect on after you’ve missed a number of payments. Comments. They have been accused of violating consumer’s rights and illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer. LLC (BHR) Website Designed and Developed by inConcert Web Solutions. Debt buyers may pay as little as $0. H. They also cannot claim to be working. , Ste 6, Greenville, South Carolina 29615-5720. Credit and Loans. LVNV Funding would purchase whole portfolios of accounts that are in default. Though you can pursue a debt collector career with a high school diploma, earning an undergraduate degree in a related field can help increase your chances of finding a debt collection opportunity and make your resume more noticeable to employers. We are engaged by your healthcare provider to listen to your individual situation and help with resolution. P. Find out who’s calling. For example, RMP LLC provides debt collection services to roughly 200 hospitals and over 30,000 physicians in the United States. Camp Hill, PA 17011-6998. NASHUA, N. Credit card debt. 1. Illegal Debt Collection Practices Under the FDCPA. voicemail. Keep your ears open, and keep a record of the conversation for your reference. Unpaid utility and phone bills. Call us on. Investors PPP. Debt Management. The CFPB found that Westlake Services, LLC and Wilshire Consumer Credit,. A debt collector calls you before 8:00 a. Cherry Hill, NJ 08003. 460. It’s illegal. “We are truly excited to have Jeff join our team and be at the forefront of. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau. The helpline is open Monday to. Note, once you send the debt collector a written dispute or a written request to validate the debt within 30 days, they have to pause collecting the debt until they respond to your dispute or. Direct: 603-546-4085. Why Us? We believe the “right fit” for any partnership is essential–collaborative, honest and authentic relationships are what count in today’s business environment. NASHUA, N. Most collection agencies operate as agents of. Our innovative measures and. With David Will No, Michael Paré, Scott Adkins, Vladimir Kulich. Get information on the debt. BHR Billing Services. This Act prohibits debt collectors and debt buyers from using certain “abusive and deceptive” actions while trying to collect debt from consumers. In this comprehensive guide,. Language:. Depending on their status as either approved or pending there are two ways to look them up. The Better Business Bureau has accredited Asset Acceptance LLC as a business since 1997, likewise assigning them an A+ letter grade. 855-909-0440, 844-296-8486, 844- 829-3399, 304-424-1166, 716-362-3278, 304-241-6694, 716-362-3278, 813-296-8858. The statute of limitations on debt varies by state and type of debt, ranging. They are authorized to collect debts on behalf of their clients. "We are truly excited to have Jeff join our. That’s the BHR side. On November 30, 2021, the Debt Collection Rule became effective. They may find other ways to contact you, including filing a lawsuit. Call us at 877-700-5790 for. - AnonymousThat is why Congress enacted the federal Fair Debt Collection Practices Act, a 1977 law that prohibits third-party collection agencies from harassing, threatening and inappropriately contacting someone who owes money. Fill out the form here, or call us at +1-844-685-8700. If you have questions or concerns regarding this statement, please contact our President, Brenda Rohren, at [email protected]. Jan 2018 - Mar 20235 years 3 months. Health (9 days ago) WebBalanced Healthcare Receivables, LLC may be calling you from +1 (866) 460-2471/ +1-866-460-2471 to collect a debt. If ARC engages in any of the following tactics, you may have a case: • Using profanity or abusive language • Calling you before 8:00 a. You can contact BHR, LLC by phone (866. 1-615-297-1575. AmeriFinancial Solutions, LLC. S. These changes took effect November 30th, 2021. For example, a scammer might send you a debt collection email trying to get you to pay a bogus debt. Part 1: Keystone Law LLC Debt Collector. If you are interested in learning more about how to safeguard yourself and prevent harassment from Access Receivables. Tyler & Hughes and Associates Inc. A proposed class action lawsuit claims the business practices of UHG I, LLC are unlawful and unfair in that the third-party debt collector buys and attempts to collect upon payday loans with “unconscionable” interest rates. ERC Collections is a debt collection agency representing a wide range of creditors. A debt collector is a person or party whose main business is the collection of debts. A recent change in rules by the US Consumer Financial Protection Bureau (CFPB) allows debt collectors to contact you by direct message on social networks, email, or. If the debt collector does not provide this information during the initial contact with you, they are required to send you a written notice within five. 1930 Olney Ave. 1 star. Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies. You may see RMP Services listed on your credit report as a collections account. Name to this message. Medical and non-medical collections have some key differences in terms of how the debt is handled by debt collection agencies, the credit bureaus, and the main scoring models. Midland Credit Management is a subsidiary of Encore Capital Group, a publicly traded company. Debt collectors are classified into three. Midland Credit Management is a legitimate debt collection agency that has been in business for over 65 years. 1. Powered by REPAY | Privacy PolicyPrivacy Policy If you have any questions or would like to talk to a live Collections Specialist, please call 1-866-460-2471 during standard business hours: Monday thru Thursday 8am – 8pm, Friday 8am – 6:30pm, Saturday 8am – 12:00pm Eastern Standard Time. 5 million. Statutory Damages of $1,000. Looking for online definition of BHR or what BHR stands for? BHR is listed in the World's most authoritative dictionary of abbreviations and acronyms BHR - What does BHR. They. H. If you suspect that your debt collection rights are being trampled upon, contact our office to begin the process to stop the harassment you may currently be receiving from Titan Solutions Group. Sometimes a collection agency will agree to collect the debt in exchange for a fee or for a percentage of the money collected as payment. NASHUA, N. It may be that they have now changed from robo calls to an offshore call centre. These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors. Huntington Debt Holding LLC: Buffalo: NY: USA: Hy Cite Enterprises, LLC: Middleton: WI: USA: I. I'm fairly sure this has been sold a few times over. They must send this within 30 days of the validation letter. As a debt lawsuit defense attorney, I also offer a free legal consultation when you are sued by UHG or their collection attorneys. 1-615-297-1575. The agency focuses primarily on collecting debts for medical clients. If you have already paid off the balance of the debt, there is a possibility that you can get the collection removed from your credit report. Name to this message. 7M to Consumers ( June 6, 2022 ) Federal Trade Commission Returns More Than $255,000 To Consumers Harmed by Abusive Debt Collector Vantage Point Services ( May 31, 2022 )CHARLOTTE, N. or. LLCs are also affordable, highly flexible (from a tax point-of-view), and can make your debt collection agency seem more credible. Their objective is to. , Suite 100 West Palm Beach, FL 33409 Docket No. $100 million less $25 million means $75 million rolling over here. This survey and award program is designed to celebrate excellence among call center work environments in customer care, collections, and outsourcing. You have 30 days to dispute a debt by sending a Debt Validation Letter. Note than an attorney can also be a “third-party” debt collector, as many attorneys are hired by debt collectors and original creditors to make collection attempts on a debt. Get the name of the collector, the collection company, its address, and phone number. This is because the only recourse state laws provide LLC creditors is money and. S. Student loan debt. Telephone number. This can happen if you didn’t pay a bill. 1. When a debt collector first contacts you about a debt, they are, in general, legally required to provide you with certain information about the debt during that initial communication or within five days of the initial communication. H. If so, you may be a victim of Northwood Asset Management Group debt collection harassment. The case is before the Court on the. 2017-001. C. Our New Hours: Mon-Thursday 8am-8pm. Sending out timely payment reminders, overdue warnings, etc. How to make a payment to a debt collection agency. , March 30, 2021 /PRNewswire/ -- Active Healthcare Receivables, LLC (AHR) and Balanced Healthcare Receivables, LLC (BHR), leaders in h. Don't give in to pressure to pay on first contact. Hawaii, like many states, requires debt collectors to register with the Hawaii Department of Commerce and Consumer Affairs (the “DCCA”). 1. Their coding expertise and attention to the collection of each CPT has made a significant impact on our bottom line. It costs $1. According to the 15-page lawsuit, the defendant “knowingly and intentionally. Creditors may use their own in-house debt collectors or may refer or sell your debt to an outside debt collector. In other words, collection agencies may pay as little as 4% of the original medical debt amount and then try to collect on the full. In this study, financial distress was measured using indicator variables for an auction/distress sale, REO sale, and short sale. Debt Collector: A company or agency that is in the business of recovering money that is owed on delinquent accounts . Brown & Joseph, LLC Contact Information. Experian. By phone: Phone number provided on credit report or (866) 349-5191. These include: national recovery, national recovery agency, nra collection, nra group, national recovery agency lawsuit, ntl recovery agency, nra group llc, national recovery agency complaints, nra. Solace Group LLC is a reputable debt collection agency in the United States that specializes in recovering unpaid debts. If you are receiving any form of harassment during these calls, do not hesitate to reach out to a qualified professional at 877-700-5790 for help. NASHUA, N. As one of the best debt collection agencies in Dubai, RAALC specializes in Debt Restructuring through discussions and negotiations with creditors both in the UAE and abroad to establish a structured reimbursement plan and avoid potential legal action by creditors. Pretend to Work for a Government Agency. Credit. The more numbers they have, the more they can harass you. Thank you. They should remove the debt from your credit report immediately. Even if you’re ready to take care of your collection accounts, you may want to pump the brakes. If we have reached the wrong number please call us back at 866-460-2471. Introduction: BHR LLC is one of the leading debt collection agencies in the United States. Stop the automated calls and unsolicited text messages. Get Free BBB A+ Attorney. Business hours. The statute of limitations on a debt ultimately dictates whether or not a creditor can sue a debtor over an unpaid debt. Phone number: (800) 851 - 9592. , March 30, 2021 /PRNewswire/ -- Active Healthcare Receivables, LLC (AHR) and Balanced Healthcare Receivables, LLC (BHR), leaders in healthcare accounts receivables management, are. How to Stop Harassment From BHR LLC Debt Collector. We rely on our billing company’s reporting capabilities. Knowing your rights can save you a lot of time, money, and stress if you know how to handle debt collectors like DNF Associates, LLC. Sunrise, FL 33323-2857. " *Review fromMarie E. However, if an owner signs a personal guarantee, he has thereby removed the liability protection of the LLC and taken on the debt. Last call:. (1 days ago) WebBalanced Healthcare Receivables, LLC is a debt collection agency located in Nashua, New Hampshire. BCG Equities, LLC, No. Blackstone Financial Group, LLC is a debt collection agency located in Ontario, California. RMP Services is a leading provider of revenue cycle management services. The rule, which was approved last year by the Consumer Financial Protection Bureau’s former. Summary: When debt collectors contact you about a debt you owe, they must provide specific information about the debt within 5 days of their initial contact. 1-888-891-1269. Send a Debt Dispute Letter. 04 to $0. § 1692 et seq , against defendants LVNV Funding, LLC ("LVNV"), Resurgent Capital Services, L. First and foremost, take a look at your credit reports to gather a few key details about your debt. TxCollect Inc (fka Collectx Inc & fka Collins Financial Services Inc) TxCollect/Thrift I LP. 24, 2020). 1 attorney answer. 1852 1661 Worthington Rd. Credence Resource Management, LLC, is a debt collection agency founded in Nevada in 2013, with its current headquarters in Dallas, Texas. With CallHub, you can reach out to 88 people via texts by spending as little as $3, with texts starting at $0. 2471) and/or email us at. You have a legal right to request debt validation on an alleged debt. If you get a call from an unknown number, check the time. Capio Partners may agree to stop reporting the debt if you ask for a goodwill deletion. 7575 Corporate Way Eden Prairie, MN 55344-2022 Bureau of Collection Recovery Inc. Genesis Credit Management, LLC / Columbia Debt Recovery, LLC Contact Information. Do you have outstanding medical debt in your name? If so, you have likely heard from (or may soon hear from) a BHR LLC debt collector. MRS BPO LLC is a licensed debt collection agency with over 30 years of experience in the industry. District Court for the Northern District of Georgia entered a temporary restraining order against The Primary Group defendants on May 11, 2015. Fill out the form on their website or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you. DNF Associates specializes in purchasing default consumer debts from the original creditor (credit card companies, banks, etc). The debt collector may not talk to. Ross, Stuart & Dawson Inc. Make a payment. This may be an ideal time to try and settle your debt, since no middleman. Below is a list of laws regarding harassment that govern the collection of debts:The only responses they are allowed to provide are 1) that they have received your notice, or 2) that they will stop reaching out directly and instead use the court to take further action. Debt collection follows after your debt has been unpaid for several months and your lender has turned over your debt to a debt collection agency or sold your it to a buyer. FTC Action Results in Ban for Richmond Capital and Owner From Merchant Cash Advance and Debt Collection Industries and Return of More Than $2. [The representative I spoke with] listened to me and. , automobile); Freeze the money currently in your bank account; and. 1. They have helped many people in your situation. Bureau of Collection Recovery Inc. Real collection agencies will have all your contact information since they would've received it from the debt originator, so if you ask for a letter, they should already have your address on file. In this study, financial distress was measured using indicator variables for an auction/distress sale, REO sale, and short sale. Again, original creditors are usually excluded. CMRE Financial Services is a medium-sized debt collection agency with its headquarters in Brea, California. The rule clarifies how debt collectors can communicate with you, including what information they’re required to provide you. Debt collectors can now send you a DM on social media, text you, or email you to collect unpaid bills. Debt collectors are required to send you a debt validation letter within five days after they first contact you. Contact your creditor. The contact information for Credit Control, LLC is as follows: Credit Control, LLC. TSYS Total Debt Management Inc. hotel transaction prices from 2008 to 2016 found that property characteristics and financial distress conditions significantly influence the pricing of distressed hotels (Singh, 2020). Our office has been assisting consumers since 2010. . Buzzfile estimates MBA’s annual revenue at $175,000 and. From our experience, we have developed a keen sense of “what works”—by listening to our clients. For example, RMP LLC provides debt collection services to roughly 200 hospitals and over 30,000 physicians in the United States. There’s a chance the agency will be willing to negotiate a smaller payment in exchange for removing the collections account from your credit report. BHR LLC now offers bill payment on your mobile device with its new mobile app! Log in and view your bill, set up payments using your credit, debit, checking or savings account right on your device. This field is for validation purposes and should be left unchanged. The ISP, by nature of the services provided, has access to user information. Medical debt and credit card debt, two of the most common times, cannot be pursued more than three years after delinquency. Call us at (877)700. A debt collection agency is a company that specializes in recovering unpaid debts. If you suspect that your debt collection rights are being trampled upon, contact our office to begin the process to stop the harassment you may currently be receiving from Portside Solutions, LLC. "We serve our clients so they can heal theirs" AHR is a first party healthcare accounts receivable management firm BHR is a third-party healthcare specific professional debt. A debt collector is a person or agency engaged by a company to recover its debt due to selling goods and services that have exceeded the accepted payment terms. C. According to the 15-page lawsuit, the defendant “knowingly and intentionally” engages in “harmful” debt. If you win your suit, you can recover damages (money) for any injuries, up to $1,000 in. That’s the BHR side. Complaint Type: Problems with Product/Service. Balanced Healthcare Receivables, LLC (BHR) is a third-party debt collection agency located in Nashua, New Hampshire. Understanding Limited Liability Companies (LLCs): A proposed class action lawsuit claims the business practices of UHG I, LLC are unlawful and unfair in that the third-party debt collector buys and attempts to collect upon payday loans with “unconscionable” interest rates. Address: Brown & Joseph, LLC One. TxCollect Inc (fka Collectx Inc & fka Collins Financial Services Inc) TxCollect/Thrift I LP. Here is what you should do if you are being contacted by a debt collector. This can be a helpful way to know more about the debt, as well as tell whether or not it’s a scam. Our team consists of seasoned. H. 1-844-274-2305. This communication is from a debt collector. Amount <$5M. A third-party healthcare specific professional debt collection agency serving our clients so they can heal theirs. Debt. The Fair Debt Collection Practices Act is a federal law that protects your consumer rights regarding debts and the debt collection process. S. This company specializes in recovering unpaid debts on behalf of their clients. Once the statute of limitations on a debt has run out, the creditor loses a good deal of leverage. This communication is from a debt collector. Seeing any of them on your caller ID is an indicator that you are being called by One Advantage, LLC. Money's Best, News & Guides. 1-877-864-3526. The phone numbers for Capital Accounts, LLC are: 1-800-282-3214. Status: Unanswered. Skip to content. g. 07/27/2023. MRS Associates, also known as MRS BPO, is a third-party debt collector located in Cherry Hill, New Jersey. This is an attempt to collect a debt and any. DRB LLC is a well-known debt collection agency with a reputation for efficiently and professionally handling debt collection services. 5 million. The court also denied the Bureau’s motion for summary judgment against the other non-defaulted corporate debt collector S Payment Processing. An LLC is a legal person as far as the law is concerned. Grand Island, NE 68801-6781. Within 5 days of first contacting you, debt collectors must “validate” or tell you the amount of the debt, the name of the current creditor, and how to get the name of the. However, many business owners wonder about their personal liability for LLC debt. com. Contact the dedicated consumer-rights law firm that knows how to stop them – and make them pay you up to $1000 penalty, plus our legal fees. arc management group llc arc debt collection arc management group, llc arc debt collection agency arc debt collector. The BBB lists Genesis Credit Management as a collection agency. RSH & Associates, LLC is a debt collection agency located in Lenexa, Kansas. H. com uses cookies on this site. date when the. 3 steps for dealing with a debt collector. These costs vary depending on the age of the debt and the likelihood of collecting some of the money due. Credit Control Corporation has been in business for over 38 years and is Better Business Bureau (BBB) accredited, and they have a Google star rating review of only 1. e. RMP LLC has received many complaints JH Portfolio Debt Equities LLC has been in business for over ten years, developing its expertise in the industry and establishing a strong track record of successful investments. If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company. The company has six additional offices in Des Plaines, IL; Waco, Texas; Indianapolis, IN; Zealand, MI; Reading, PA; and Lansing, MI. For example, LVNV Funding would connect with companies like Capital One, Chase, Citibank, Synchrony Bank, and Wells Fargo. The phone numbers for Diversified Recovery Bureau, LLC are: 1-844-275-9274. 2020 marks the 13th year that insideARM has recognized the industry's best places to work,. According to the Better Business Bureau (BBB), Genesis Credit Management LLC was founded in 2008 and incorporated in 2013. The creditor will likely allege that you owe a specific amount as an unpaid debt, in addition to interest, late fees, attorney fees, and court costs. 164 Burke Street. m. 1. Do not let this happen to you. 57 was sent to BHR. ARC Management Group Phone Harassment Examples. If you've been sued for a debt by Midland Funding, you should respond to the lawsuit ASAP with a written Answer. Balanced Healthcare Receivables LLC or BHR is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. com. Email this Business. Please call us now at 855-385-8182. Address: Genesis Credit Management, LLC 906 SE Everett Mall Way Ste 301 Everett, WA 98203. You may be a victim of MAB phone harassment . As you have noted, a google search for Credence Resource Management yields a serious of complaints including a class action law suit concerning robo calls from March of this year. With a commitment to excellence, outstanding support for every client and over 50 years of healthcare revenue cycle management experience, PCB is truly second to none. Plaintiff, Scott McMahon, brings this case under the Fair Debt Collection Practices Act ("FDCPA"), 15 U. Phone: (704) 553-7144. 1. 2 billion Rands] is annually ‘exploited for South Africa’s workforce by collection attorneys and other debt collectors [… and] at least 40% of the monthly income of South African workers is being directed to the repayment of debt’. U. FinTech. RMP provides 200 US hospitals and 30,000 physicians with healthcare-focused revenue cycle management (RCM) services. You may be awarded $1,000. Personal loan debt. Advantage Financial Services LLC is third party debt collector located in Bosie, Idaho. Generally, this information is provided in a written notice sent as the initial communication to you or within five days of their first communication with you, and it may be sent by mail or electronically. If the debt collector. The Debt Collector: Directed by Jesse V. Capital Accounts LLC is dedicated to serving your collection needs to the fullest extent possible. Address: 4135 Southstream Blvd Ste 400. This is an attempt to collect a debt and any information obtained will be used for that purpose. Many debt collectors are hired by companies to which money is owed by debtors. LLC (BHR) Website. If they take you to court to collect a time-barred debt, your next step should be to hire a consumer lawyer and file a claim against Pharia,. The next step is to send a debt dispute letter, also called a verification letter, to the address you got from the caller. Address: 164 Burke St #201, Nashua, NH 03060 Phone Number: (603) 880-3300 Years in Business: 13 Business Started: 2007 Business Started Locally: yes Business Incorporated: no Type of Entity: LLC Website:. They have been sued in federal court over 380 times for allegedly violating consumer’s rights. They have been a party to over 200 federal cases based on their issuance of credit and collection of debts incurred on their credit cards. AssetCare, LLC often deals with medical bill collections. Brown & Joseph, LLC Contact Information. is a debt collection agency located in Itasca, Illinois. Solace Group LLC is a reputable debt collection agency in the United States that specializes in recovering unpaid debts. Introduction: BHR LLC is one of the leading debt collection agencies in the United States. Married debtors may exempt up to $50,000 of equity. Address: Brown & Joseph, LLC One. Keep in mind they are debt collectors and calls are often recorded at debt collection agencies. Any information obtained may be used for that purpose. Excellent customer service, very thorough and very patient with making sure that I understood the answer to my question. Box 740256 Atlanta, GA 30348. (2021-03-30) AHR/BHR LLC Names New Chief Revenue Officer (2021-03-30) AHR/BHR LLC Names New Chief Revenue Officer. hotel transaction prices from 2008 to 2016 found that property characteristics and financial distress conditions significantly influence the pricing of distressed hotels (Singh, 2020). § 1692 et seq , against defendants LVNV Funding, LLC ("LVNV"), Resurgent Capital Services, L. 1. BHA Bill Pay is a debt collection agency and any communications received from our company may be considered an attempt to collect a debt. The federal Fair Debt Collection Practices Act (FDCPA) makes some collection tactics that debt collectors often use, like using profane language or threatening you, illegal. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive. 2. 88. But just because the original creditor has written the debt off doesn’t mean you don’t. (Getty Images) Debt collectors are. The FDCPA prohibits debt collectors from pretending to work for any government agency, including law. B&J has been a party to a Federal Court case over 25 times. ”. Log in with my MCM Account Number instead. 1 star. Nevada Residents. The top companies hiring now for debt collector jobs in Houston, TX are PrimeFlight Aviation Services Inc, Meneses Law, Expedited Logistics and Freight Services, Atlas Credit Company, Inc. Tulsa Adjustment Bureau Inc. We have an A+ rating with the Better Business Bureau. If the answer is yes, then you are receiving calls from a known MAB number. You should do this within 30 days of the time. A bill collector's job is to try and help the person pay what they owe, which should help improve the debtor's credit score, and also help the business owner. Seeing them on your caller ID indicates that Vance & Huffman, LLC is calling, presumably to collect a debt from you. It was started in 2009, has 50 to 99 people on staff, and is managed by CEO Benjamin Bequer. Verify the accuracy of the information and ensure the collection agency is legitimate. Attorney for the Western District of North. If you see any of them on your caller ID, NewRez, LLC is on the line. Credit and Finance. Here's what I would do. The Fair Debt Collection Practices Act protects consumers from abusive or harassing treatment by debt collectors and establishes guidelines for the industry. RMP LLC) is a debt collection agency based in Greensburg, Indiana. Lawton McIntosh and others in the state's 10th judicial. Usually this means they paid pennies on the dollar, sometimes 1/10th of the original cost, to buy this debt. So, under the FDCPA, the term "debt collector" generally includes debt collection agencies, collection attorneys, and mortgage servicers that obtained the account in default. If they verbally abuse you and threaten lawsuits to scare you into paying, hire a consumer lawyer and file a claim against Capital. Brown Brothers Harriman Investor Services Limited(“BBHISL”) is. To verify the legitimacy of any debt collection company you come across, check the Consumer Financial Protection Bureau (CFPB) database or the Better Business Bureau (BBB). .