Search Collection Agencies in Nebraska

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List of collection agencies in Nebraska:
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• • Prestige Services – (PSI) : Omaha
  • Early Out Services (EOS) / General Service Bureau (GSB) : Omaha
  • Professional Collection Service (PCS) : Kearney
  • National Account Systems of Omaha (NAS) : Omaha
  • Credit Bureau Services (CBS) : Fremont
  • Collection Associates : Beatrice
  • Capital Recovery Inc (CRI) : Denton
  • Collection agencies in Lincoln

Debt Collection Laws in Nebraska

1. Fair Debt Collection Practices Act (FDCPA): Like all states, Nebraska is governed by the federal FDCPA. This law limits the behavior and actions of third-party debt collectors and prohibits them from using abusive, unfair, or deceptive practices to collect debts from consumers.
2. Nebraska Collection Agency Act: In addition to the federal FDCPA, Nebraska has its own laws that regulate debt collection agencies through the Nebraska Collection Agency Act. This law requires collection agencies to be licensed and regulated by the Nebraska Department of Banking and Finance.
3. Statute of Limitations: Nebraska has a statute of limitations on how long a creditor or collection agency can sue to collect a debt. The statute of limitations for written contracts and open accounts (such as credit cards) in Nebraska is generally five years.
4. Garnishment: If a creditor obtains a court judgment against a debtor, they may be able to garnish the debtor’s wages or bank accounts in Nebraska. However, there are federal and state limits on how much can be garnished to protect a portion of the debtor’s income.
5. Exemptions: Nebraska law provides exemptions for certain types of property, which means that they cannot be seized by creditors to satisfy a debt.
6. Communication Restrictions: Under the FDCPA, there are restrictions on when and how often a debt collector can contact a debtor. For example, they cannot call before 8 a.m. or after 9 p.m. unless the debtor agrees to it. Debt collectors must also respect a written request from the debtor to cease communication.
7. Debt Validation: Under both federal and Nebraska state law, consumers have the right to request validation of the debt. This means that the debt collector must prove that the consumer actually owes the debt and that the amount is correct.
8. Harassment and Misrepresentation: Both the federal FDCPA and the Nebraska Collection Agency Act prohibit debt collectors from harassing, oppressing, or abusing any person in connection with the collection of a debt. They also prohibit the use of false, deceptive, or misleading representation in connection with the collection of any debt.
9. Penalties for Violations: If a debt collector violates the FDCPA or Nebraska’s debt collection laws, consumers may have the right to sue the collector for damages. The Nebraska Department of Banking and Finance can also take action against collection agencies that violate state law.
10. Debtor’s Rights and Disclosures: Debt collectors are required to inform debtors of their rights, and debtors have the right to dispute the debt or request that the debt collector verify its accuracy.

As laws are subject to change, it’s advisable to consult with an attorney who specializes in debt collection laws in Nebraska or to check the most recent legal sources for the latest information.

Nebraska requires the consent of at least one party to record a conversation,

Collection agencies are allowed to report consumer debt to credit bureaus. For medical debts, they must wait for 180 days. For commercial collections (B2B recovery), FDCPA law does not apply.

Nebraska licensed agencies can collect debt in all cities, including Omaha, Lincoln, Bellevue, Grand Island, Kearney, Fremont, Hastings and Norfolk.