Find Collection Agencies in Connecticut

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List of collection agencies in Connecticut.
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• • Goldstein & Dun Associates : Trumbull
  • Eastern Account System Inc : Sandy Hook
  • Credit/Financial Services (CFSI) : West Hartford
  • American Adjustment Bureau Inc : Waterbury
  • Credit Center Inc (CCI) : Danbury

Debt Collection Laws in Connecticut

Here are some relevant federal and state laws that were in effect as of 2021:

1. Fair Debt Collection Practices Act (FDCPA): This federal law protects consumers from abusive, deceptive, or unfair debt collection practices. It sets limitations on when and how debt collectors can contact consumers, and provides consumers with rights to dispute debts and obtain information about the debts.
2. Fair Credit Reporting Act (FCRA): Another federal law, the FCRA, regulates the collection and use of consumer credit information. It provides consumers with the right to access their credit reports and correct any inaccuracies.
3. Connecticut Fair Debt Collection Practices Act: Connecticut has its own version of the FDCPA, which provides additional protections to consumers. It applies to a broader range of debt collectors, and debt collectors in Connecticut are required to be licensed.
4. Statute of Limitations in Connecticut: In Connecticut, there is a time limit for when creditors can sue consumers for unpaid debts. As of 2021, the statute of limitations for open accounts (such as credit cards) was three years, and for written contracts, it was six years.
5. Connecticut Garnishment Laws: If a creditor obtains a court judgment against a debtor in Connecticut, they can garnish the debtor’s wages or bank accounts. Connecticut law limits the amount that can be garnished to the lesser of 25% of disposable earnings or the amount by which a person’s weekly earnings exceed 40 times the minimum wage.
6. Exemption Laws in Connecticut: Connecticut has laws that protect certain types of property from being taken by creditors to satisfy a debt judgment. These include homestead exemptions, personal property exemptions, and exemptions for certain types of income and benefits.
7. Connecticut Banking Department Oversight: The Connecticut Department of Banking oversees the licensing and regulation of debt collectors operating within the state. Consumers can file complaints against debt collectors with this department if they believe a debt collector has violated state or federal laws.
8. Validation of Debts: Like the federal FDCPA, Connecticut law requires debt collectors to provide validation of the debt, including the amount of the debt, the name of the creditor, and a statement that the consumer has the right to dispute the debt within 30 days.

Please ensure that you are referring to the most current legal information or consulting a legal expert in Connecticut for the latest details on debt collection laws in the state.

Collection agencies serving medical practices, commercial establishments and small businesses should ideally have industry-specific experts. Collection agencies must also check if the consumer has filed for bankruptcy and if the debt they owe has been practically written off.

A collection agency licensed to collect in  Connecticut can recover money all across the state, including the following cities Danbury, New Britain, West Hartford, Meriden, Bridgeport, New Haven, Stamford and Meriden.