Independent guidance for U.S. collection accountsWho we are ↗
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Start with the name
on your letter.

Independent guides to four collectors in our coverage. Use their official channels to confirm account-specific information; this site cannot access an account.

Independent account guide

Midland Credit Management

Understand Midland Funding and MCM, verify the account, compare written offers, and keep the evidence of a completed settlement.

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Independent account guide

Portfolio Recovery Associates

A practical guide to PRA account details, settlement conditions, credit-reporting policy, and the records to keep before and after paying.

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Independent account guide

Cavalry Portfolio Services

Verify a Cavalry account, prepare a hardship or repayment conversation, and review the written terms before agreeing to a collection settlement.

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Independent account guide

Jefferson Capital

Understand Jefferson Capital's third-party servicing, verify payment instructions, and inspect default conditions before agreeing to a reduced-balance settlement.

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A familiar name is not verification.

Scammers can impersonate real businesses. Independently check the collector’s contact route and match the account information before sharing sensitive details. An official company website does not authenticate the particular message you received.

We are not affiliated with, endorsed by, or acting for any collector listed here. Company policies can change and do not necessarily apply to every account.

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Direct negotiation, nonprofit counseling, settlement services and legal help solve different problems. Compare the routes before choosing one.

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