Are you planning for a debt reduction?

If you haven’t been able to pay the bills to your credit cards or other obligations for several months then this shows your inability to pay and your failure is evidence that you can’t make your payments. If you don’t have any assets that the creditors can take away such as a home or a car. If your current job or any future job won’t assist you in getting out of debt. Meeting any of these criteria means you are a candidate for bankruptcy and therefore may be open for debt reduction assistance. Although what exactly is debt reduction.

What Are Debt Reduction Programs

Debt reduction solutions are the quickest way to get rid of your debt. You can either higher a professional to design a debt reduction plan for you or you can do it on your own with debt reduction strategies. Debt reduction programs are preferred over bankruptcy by most creditors since this allows them to get back at least a percentage of their money. Debt reduction assistance can sometimes negotiate the payment of as little as forty percent of the total debt you owe. You should consider contacting a professional debt reduction company if you are unsuccessful at negotiating with the creditors yourself. You can also try using debt reduction software to help you come up with your own debt reduction plan. Once you know you need debt reduction then how can you choose a good service?

Choosing the Right Debt Reduction Company

When choosing who to go to for professional debt reduction assistance you can either research on your own or get a referral from your creditor. Numerous websites on the computer will point you to good debt reduction programs. Before making your final decision on who to go with for debt reduction it is important that you consider all your options carefully by comparing the fees and services that each company has to offer. Debt reduction services are only beneficial if you choose one that allows you to save money off your current debt load. This is why it is important to know what scams exist out there and how to avoid them.

Debt Reduction Scams to Avoid

One of the main scams present in debt reduction services is to charge high upfront fees. Companies may charge as much as a thousand dollars or more for their services. There may be an offer to refund the fees once you complete the debt reduction plan, but many companies find ways to avoid giving you the refund.

Checking with the Better Business Bureau is the best way to determine if the company you plan on going with is a legitimate company. Non-profit debt reduction solutions will typically only charge a flat monthly fee for the duration of the account you have with them. The larger for profit companies may charge a fee along with the monthly charge but it won’t be excessively high. Although if you want to avoid the scams all together then you can consider using a debt reduction calculator to come up with your own debt reduction plan.

Setting Up Your Own Debt Reduction Plan

An alternative to going with a company is to set up your own debt reduction strategies to help you get out of debt. The obvious first step in creating your own plan is to know how much you owe and be prepared to face your problems. Once you do this you will know that you are committed to completing your debt reduction plan. At first it can be surprising to find out how much you truly owe but you can’t set up a good debt reduction plan without knowing how much you need to get rid of in debt. Once you know the amount then you are prepared for the second step.

Two important payment techniques that you need in order to maintain your debt reduction strategy is to make sure you pay as much as you can to your creditor each month and always make the minimum payments if you can’t pay any more. It is also important not to give up, be determined to pay off all your debts before you complete your debt reduction plan. Then you will be ready for the final step.

The final step is to make sure you plan ahead for the future so you never have to worry about being in debt again. This may include changing your spending habits, cutting up your credit cards and anticipating any future expenses. Setting up your own debt reduction strategies can be better than going with debt reduction services, but no matter what choice you make you will be happy with the results of debt reduction.

The most Important things that you need to avoid debt.

Experts agree that the average customer who follows common-sense and painless tips to stay out of credit card debt can expect to enjoy their money and can expect to avoid many of the disasters associated with overspending.

Stay Wary of Credit Card Debt
Many customers who do have debt problems run into trouble through unsecured debt such as credit cards. This is because credit cards are so easy to use that they can lead to overspending quite easily. The high interest rates that many card companies charge can also contribute to problems. Experts suggest customers follow a few simple tips to avoid debt

Limit your cards
Most customers need only one to two credit cards (this includes store cards). The more credit cards you have, the easier it will be for you to fall into too much debt.

Pay off your cards on time
Being late with your bills makes your interest rates rise and also subjects you to interest rate increases and late penalties. Whenever possible, try to pay off your card balance in full. If this is not possible, at least make some payment on your card.

Live below your means
Many customer use credit cards to buy items they could not afford otherwise. This can become a habit far too easily. Remember: plastic is always more expensive than cash, so if you can’t afford to pay cash for an item, you really can’t afford to pay with a credit card.
Shop for the best cards possible
If you need credit cards, don’t select the first card you see in an ad. Take the time to really learn about interest rates and benefits and select the card that makes the most financial sense for you.

Carry cash
Studies show that customers who pay with cash tend to pay less than those who pay with credit cards. Those customers paying with credit are those who are most likely to overspend.

Watch out for credit card fraud
If you notice that your card is missing or that an unrecognized charge has appeared on your bill, report it right away. Becoming a victim of identity theft or fraud could hurt your credit score.

Reduce Your Debts
You can also avoid having too-large debt simply by reducing the amount of money that you now owe. This is easily done with a few expert tips:

Pay off more than the minimum each month
Paying even a little more than the minimum can help keep your credit score healthy and will keep your interest rates lower.

Consider consolidation
Pooling your debts into one larger debt can help insure that you pay the lowest interest rates possible. If you have lots of credit cards, especially, consolidation can help you tackle your principal balance so that you can really pay it off.

Have a plan to pay off your debts
Decide how much you can contribute towards your debts each month. Then find ways that you can save more money or earn more money so that you can get out of debt sooner.

Eliminate Your Debts Regularly
When you notice your debt begin to creep upward, you may want to create a more aggressive plan to eliminate debt. That way, you can take care of your bills while they are still small and are only starting to make you worry. You don’t want to wait until your bills cause you stress or cause you stay up at night. As soon as you notice your debts are too large for comfort, you should:
Stop charging
If you continue to overspend and take out loans or credit, your debt will continue to grow, making it less likely that you will actually enjoy a debt-free life.

Cut back on non-necessities
If you have a cable subscription, or subscription to magazines you don’t even need, consider canceling and putting the money towards your debt. Even a daily coffee speciality drink can add up, so look for ways to save and repay your bills.

Look at your debt realistically
Debt is an emotional issue, but facing how much you owe and how long it will take you to pay off is important if you really want to achieve results.

Seek out debt solutions that may help
There are many sources of help for you. Professional non-profit debt help and even financial officers at banks can help you get control of your money so that you worry less and enjoy your life more.

Just because some customers have problems with debt, that does not mean that you are doomed to the same fate. Now that you know the expert tips to avoid debt and the simple tips to stay out of credit card debt, you can see how easy it is to control your money. By actually implementing these tips, you can enjoy your money more fully and enjoy peace of mind.

Debt Collection Agencies ( Z )

ZENITH ACQUISITION CORP (DBA) – License Type: CCA 170 NORTHPOINTE PARKWAY SUITE 300 AMHERST , NY 14228 (716) 799-0512

ZENTA INDIA PRIVATE LIMITED (DBA) – License Type: CCA FAIRMONT BUILDING, HIGH STREET HIRANANDANI BUSINESS PARK POWAI MUMBAI 400 076 INDIA , XX 00000 (816) 472-1515

ZTJ INVESTMENTS LLC (DBA) – License Type: CCA 14250 WATERVILLE CIR TAMPA , FL 33626 (813) 732-7953

ZWICKER & ASSOCIATES (DBA) – License Type: CCA 80 MINUTEMAN ROAD ANDOVER , MA 01810 (978) 686-2255

1ST FINANCIAL SERVICES GROUP INC (DBA) – License Type: CCA 9205 N EDISON AVE TAMPA , FL 33612 (813) 933-4699

1ST NATIONAL RECOVERY SOLUTIONS LLC (DBA) – License Type: CCA 5497 BROADWAY ST LANCASTER , NY 14086 (888) 999-7389

1ST NATIONWIDE COLLECTION AGENCY INC (DBA) – License Type: CCA 3760 CALLE TECATE SUITE B CAMARILLO , CA 93012 (805) 413-1411

1998 JM ASSOCIATES LLC (DBA) – JM ASSOCIATES License Type: CCA 6600 JURUPA AVE RIVERSIDE , CA 92504 (951) 710-1600

24 HOUR BOOKKEEPING AND BUSINESS SOLUTIONS INC (DBA) – License Type: CCA 918 CAPE COD CIRCLE VALRICO , FL 33594 (813) 643-2385

9-1-19 COMPANY (DBA) – PROCESSING & RECOVERY SYSTEMS License Type: CCA 6501 ARLINGTON EXPWY STE A-125 JACKSONVILLE , FL 32211 (904) 725-0060

Debt Collection Agencies ( Y )

YOUR COLLECTION COMPANY INC (DBA) – AARON DELGADO & ASSOCIATES License Type: CCA PO BOX 70 SILVER SPRINGS , FL 34489 (352) 236-3992

YOUR COLLECTION SOLUTION INC (DBA) – License Type: CCA 1776 NORTH PINE ISLAND ROAD SUITE 208 PLANTATION , FL 33322 (954) 577-7700

Debt Collection Agencies ( X )

X-CEL SERVICES LLC (DBA) – License Type: CCA 2623 WASHINGTON RD BLDG C AUGUSTA , GA 30904 (706) 739-0084

XACT RESOURCES INC (DBA) – License Type: CCA 12550 W FRONTAGE RD STE 202 BURNSVILLE , MN 55337 (952) 890-2636

XEROX CAPITAL SERVICES LLC (DBA) – License Type: COM 100 CLINTON AVE S – MS 29A ROCHESTER , NY 14644 (585) 231-2653

Debt Collection Agencies ( W )

WAMB MARKETING GROUP INC (DBA) – License Type: CCA 1945 S OCEAN DR #2101 HALLANDALE BEACH , FL 33009 (954) 454-1544

WEINSTEIN & RILEY PSPA (DBA) – License Type: CCA 2001 WESTERN AVENUE, STE 400 SEATTLE , WA 98121 (206) 269-3490

WELLINGTON MANAGEMENT INC (DBA) – License Type: CCA 3461 B FAIRLANE FARMS RD WELLINGTON , FL 33414 (561) 795-7767

WELTMAN WEINBERG & REIS CO LPA (DBA) – License Type: CCA 323 W LAKESIDE AVE STE #200 CLEVELAND , OH 44113 (216) 685-1000

WELTS WHITE & FONTAINE PC (DBA) – License Type: CCA 29 FACTORY STREET NASHUA , NH 03061 (603) 883-0797

WENDOVER FINANCIAL SERVICES CORP (DBA) – License Type: CCA 1550 LIBERTY RIDGE SUITE 120 WAYNE , PA 19087 (610) 232-5079

WEST ASSET MANAGEMENT INC (DBA) – License Type: CCA 2253 NORTHEAST PKWY MARIETTA , GA 30067 (888) 433-2886

WESTERN CONTROL SERVICES INC (DBA) – License Type: CCA 730 W HAMPDEN #306 ENGLEWOOD , CO 80110 (303) 761-6102

WESTERN MASS CREDIT CORP (DBA) – License Type: CCA 95 POST OFFICE PARK STE 9518 WILBRAHAM , MA 01095 (413) 596-9977

WESTGATE RESORTS LTD (DBA) – License Type: CCA 5601 WINDOVER DR ORLANDO , FL 32819 (407) 351-3350

WILBER AND ASSOCIATES PC (DBA) – License Type: CCA 816 ELDORADO RD STE 1 BLOOMINGTON , IL 61704 (309) 663-6700

WILLIAMS & FUDGE INC (DBA) – License Type: CCA 300 CHATHAM AVENUE ROCK HILL , SC 29730 (803) 329-9791

WILLIAMS BABBIT & WEISMAN INC (DBA) – License Type: COM 5255 N FEDERAL HWY 3RD FLOOR BOCA RATON , FL 33487 (561) 241-7301

WILLIAMS COHEN & GRAY INC (DBA) – License Type: COM 8300 BISSONNET STE 640 HOUSTON , TX 77074 (713) 457-0830

WILSHIRE CREDIT CORPORATION (DBA) – License Type: CCA 14523 SW MILLIKAN WAY STE 200 BEAVERTON , OR 97005 (503) 223-5600

WINDHAM ASSOCIATES INC OF FLORIDA (DBA) – CONSERVE License Type: CCA 200 CROSSKEYS OFFICE PARK FAIRPORT , NY 14450 (585) 421-1000

WINDHAM PROFESSIONALS (DBA) – License Type: CCA 380 MAIN ST SALEM , NH 03079 (603) 890-4034

WINOKER & WINOKER LLC (DBA) – License Type: CCA 27618 SUGAR LOAF DR WESLEY CHAPEL , FL 33543 (813) 973-1424

WINOKER & WINOKER LLC (DBA) – License Type: COM 27618 SUGAR LOAF DR WESLEY CHAPEL , FL 33543 (813) 973-1424

WOLPOFF AND ABRAMSON LLP (DBA) – License Type: CCA TWO IRVINGTON CENTRE 702 KING FARM BLVD ROCKVILLE , MD 20850 (240) 386-3000

WORLD ALLIANCE COLLECTION SERVICES INC (DBA) – License Type: CCA 5500 BEE RIDGE RD #204 SARASOTA , FL 34233 (941) 346-0212

WORLD NET RECOVERY SYSTEMS INC (DBA) – License Type: CCA 3500 MYSTIC POINTE DR TOWER 400 LPH 3 AVENTURA , FL 33180 (305) 937-5719

WORLD OMNI FINANCIAL CORP (DBA) – License Type: CCA 3120 RIDER TRAIL SOUTH EARTH CITY , MO 63045 (314) 702-4000

WORLD TECH INTERNATIONAL CORP (DBA) – MANNING, PRICE & STERN License Type: COM 14864 ENCLAVE LAKES DR STE T3 DELRAY BEACH , FL 33484 (800) 575-9701

WORLDWIDE RECOVERIES LLC (DBA) – License Type: CCA 2414 S FAIRVIEW STE 210 SANTA ANA , CA 92704 (714) 380-5858

WORLDZEN COLLECTION AND RECOVERY LLC (DBA) – License Type: CCA 500 PARK BOULEVARD SUITE 1260 ITASCA , IL 60143 (630) 773-6777

WRIGHT SCOTT & ASSOCIATES LLC (DBA) – License Type: CCA 300 RED BROOK BLVD STE 300 OWINGS MILLS , MD 21117 (410) 581-0202

WYSE FINANCIAL SERVICES INC OF COLORADO (DBA) – License Type: CCA 3410 S GALENA STREET STE 250 DENVER , CO 80231 (303) 813-1601

Debt Collection Agencies ( V )

VALENTINE & KEBARTAS INC (DBA) – License Type: CCA 15 UNION ST LAWRENCE , MA 01840 (978) 975-0799

VALER ENTERPRISES INC (DBA) – License Type: CCA 1170 LINCOLN AVENUE HOLBROOK , NY 11741 (631) 472-6300

VAN DINTER & ASSOCIATES INC (DBA) – License Type: COM 28069 DIAZ ROAD STE E TEMECULA , CA 92590 (951) 693-3318

VAN RU CREDIT CORPORATION (DBA) – License Type: CCA 1350 E TOUHY AVENUE SUITE 300E DES PLAINES , IL 60018 (847) 824-2414

VAN RU INTERNATIONAL INC (DBA) – License Type: CCA 1350 E TOUHY AVE STE 300E DES PLAINES , IL 60018 (877) 632-5811

VANDENBERG CHASE & ASSOCIATES LLC (DBA) – License Type: CCA 887 WEST MARIETTA STREET NW SUITE J-102 ATLANTA , GA 30318 (404) 249-1099

VANGUARD RECOVERY SERVICES INC (DBA) – License Type: CCA 2900 FIRST AVENUE HUNTINGTON , WV 25702 (304) 526-1296

VANTAGE SOURCING LLC (DBA) – License Type: CCA 328 ROSS CLARK CIR DOTHAN , AL 36303 (334) 836-4544

VANTIUM CAPITAL INC (DBA) – License Type: CCA 26575 RUETHER AVE SANTA CLARITA , CA 91350 (661) 621-9170

VELOCITY INVESTMENTS LLC (DBA) – License Type: CCA 1800 ROUTE 34 N BLDG 4 STE 404A WALL , NJ 07719 (732) 556-9090

VENGROFF WILLIAMS & ASSOCIATES INC (DBA) – License Type: CCA 2211 FRUITVILLE RD SARASOTA , FL 34237 (941) 363-5200

VENGROFF WILLIAMS & ASSOCIATES INC (DBA) – License Type: COM 2211 FRUITVILLE RD SARASOTA , FL 34237 (941) 363-5200

VERICHEK INC (DBA) – License Type: CCA 777 CHESTNUT ST ABILENE , TX 79602 (325) 676-7400

VESCO GROUP LLC (DBA) – License Type: CCA 8545 COMMODITY CIRCLE ORLANDO , FL 32819 (407) 355-3918

VICEROY INC (DBA) – License Type: CCA 515 4TH ST PORT SAINT JOE , FL 32456 (850) 227-9292

VIGDEN RECEIVABLES MANAGEMENT LLC (DBA) – License Type: CCA 2825 WILCREST #656 HOUSTON , TX 77042 (832) 444-6577

VIKING COLLECTION SERVICE INC (DBA) – License Type: CCA 7500 OFFICE RIDGE CIRCLE SUITE 100 EDEN PRAIRIE , MN 55344 (952) 944-7575

VIKING COLLECTION SERVICE SOUTHWEST INC (DBA) – License Type: CCA 2075 WEST PINNACLE PEAK ROAD STE 110 PHOENIX , AZ 85027 (800) 540-4965

VIRGINIA CREDIT & FINANCE INC (DBA) – License Type: CCA 2810 N PARHAM RD STE 310 RICHMOND , VA 23294 (804) 346-8263

VISION FINANCIAL COLLECTION SERVICES CORP (DBA) – License Type: CCA FOUR W RED OAK LN WHITE PLAINS , NY 10604 (914) 220-0800

VISTA PROPERTIES MANAGEMENT INC (DBA) – License Type: CCA 100 VISTA ROYALE BLVD VERO BEACH , FL 32962 (772) 562-9031

VITAL RECOVERY SERVICES INC (DBA) – License Type: CCA 3795 DATA DR STE 200 NORCROSS , GA 30092 (800) 732-6606

VLV PROFESSIONALS INC (DBA) – License Type: CCA 224 MAIN ST STE 2D SALEM , NH 03079 (603) 898-2440

Debt Collection Agencies ( U )

U S COLLECTIONS WEST INC (DBA) – License Type: CCA 3031 W. NORTHERN AVE. # 171 PHOENIX , AZ 85051 (602) 995-3494

UFS DEBT RECOVERY CORP (DBA) – UNITED FINANCIAL SERVICE License Type: CCA 333 WASHINGTON BLVD #153 MARINA DEL REY , CA 90292 (310) 434-0152

UNION ADJUSTMENT COMPANY INC (DBA) – License Type: CCA 3214 W BURBANK BLVD BURBANK , CA 91505 (818) 566-8330

UNIQUE MANAGEMENT SERVICES INC (DBA) – UNIQUE NATIONAL COLLECTIONS License Type: CCA 119 EAST MAPLE STREET JEFFERSONVILLE , IN 47130 (812) 285-0886

UNITED ADJUSTMENTS CORPORATION (DBA) – License Type: CCA 218 N THIRD ST KENTLAND , IN 47951 (219) 474-5612

UNITED ASSET GROUP LLC (DBA) – License Type: COM 1350 32ND AVE VERO BEACH , FL 32960 (772) 766-0428

UNITED COLLECTION BUREAU INC (DBA) – License Type: CCA 5620 SOUTHWYCK BLVD TOLEDO , OH 43614 (419) 866-6227

UNITED COLLECTION SERVICE INC (DBA) – License Type: CCA 106 COMMERCE STREET STE 104 LAKE MARY , FL 32746 (407) 833-8900

UNITED COMPUCRED COLLECTIONS INC (DBA) – License Type: CCA 4190 HARRISON AVENUE CINCINNATI , OH 45211 (513) 481-7000

UNITED CREDIT CORPORATION (DBA) – License Type: CCA 7430 WILES ROAD CORAL SPRINGS , FL 33067 (954) 317-3035

UNITED FIDELITY INC (DBA) – License Type: COM 3699 N. E. RENAR AVENUE JENSEN BEACH , FL 34957 (772) 600-0280

UNITED MONEYCORP INC (DBA) – License Type: CCA 200 N CUYLER ST PAMPA , TX 79065 (806) 669-9223

UNITED PROCESSING INC (DBA) – License Type: CCA 101 CENTURY 21 DR #107 JACKSONVILLE , FL 32216 (904) 723-3175

UNITED RECOVERY GROUP INC (DBA) – License Type: CCA 11639 S700 E STE 200 DRAPER , UT 84020 (888) 498-9446

UNITED RECOVERY SYSTEMS LP (DBA) – License Type: CCA 5800 NORTH COURSE DRIVE HOUSTON , TX 77072 (713) 977-1234

UNITED SOLUTIONS GROUP INC (DBA) – License Type: CCA 1605 E PLAZA DR STE 102 TALLAHASSEE , FL 32308 (850) 942-9186

UNIVERSAL ACCOUNT SERVICING LLC (DBA) – License Type: CCA 702 FELIX STREET ST JOSEPH , MO 64501 (816) 233-2299

UNIVERSAL DATA SERVICES LLC (DBA) – License Type: CCA 702 FELIX ST ST JOSEPH , MO 64501 (816) 233-2299

UNIVERSAL FIDELITY LP (DBA) – License Type: CCA 1445 LANGHAM CREEK DRIVE HOUSTON , TX 77084 (281) 647-4100

US ASSET PROTECTION SOLUTIONS LLC (DBA) – US ASSET PROTECTION SOLUTIONS License Type: COM 704 N39TH STREET SUITES 200 & 210 FT PIERCE , FL 34949 (772) 460-5222

USA COLLECTION SERVICES INC (DBA) – License Type: CCA 15715 S DIXIE HWY #232 MIAMI , FL 33157 (305) 234-0085

USCS LLC (DBA) – License Type: CCA 5411 COLISEUM BLVD ALEXANDRIA , LA 71303 (318) 442-8988

UTILITY COLLECTIONS LTD (DBA) – ASSOCIATED RECEIVABLE CONSULTANTS License Type: CCA 1058 CLAUSSEN RD STE 110 AUGUSTA , GA 30907 (706) 868-5188

Debt Collection Agencies ( T )

T CROUSE COMPANIES INC (DBA) – License Type: CCA 2115 LINDBERGH AVE CUYAHOGA FALLS , OH 44223 (330) 923-9991

TABULA RASA INTERNATIONAL LTD (DBA) – License Type: CCA 6000 N BAILEY AVE STE 2C AMHERST , NY 14226 (716) 691-3555

TAKHAR COLLECTION SERVICES LTD (DBA) – License Type: CCA 202 BEVERLY STREET CAMBRIDGE ONTARIO N1R7S9 , ON 11111 (519) 622-7100

TALBOTT ADAMS & MOORE INC (DBA) – License Type: CCA 1603 BABCOCK RD STE 155 SAN ANTONIO , TX 73229 (210) 342-7537

TARGETS INVESTIGATION INC (DBA) – License Type: CCA 6800 SW 40TH ST #480 MIAMI , FL 33155 (305) 667-2049

TATE & KIRLIN ASSOCIATES INC (DBA) – License Type: CCA 2810 SOUTHAMPTON RD PHILADELPHIA , PA 19154 (215) 464-4500

TAXSERV CAPITAL SERVICES FL LLC (DBA) – License Type: CCA 1313 DOLLEY MADISON BLVD STE LL-130 MCLEAN , VA 22101 (703) 883-9100

TAXSERV CAPITAL SERVICES FL LLC (DBA) – License Type: COM 1313 DOLLEY MADISON BLVD STE LL-130 MCLEAN , VA 22101 (703) 883-9100

TEK COLLECT INCORPORATED (DBA) – License Type: CCA 1111 WEST SCHROCK RD, SUITE 100 COLUMBUS , OH 43229 (614) 410-3802

TELERECOVERY OF LOUISIANA INC (DBA) – License Type: CCA 3800 FLORIDA AVE KENNER , LA 70065 (504) 888-8300

TEMPEST RECOVERY SERVICES INC (DBA) – License Type: CCA 4315 PICKETT RD ST JOSEPH , MO 64503 (816) 671-2400

TEXTRON BUSINESS SERVICES INC (DBA) – License Type: CCA 275 WEST NATICK ROAD SUITE 1000 WARWICK , RI 02886 (401) 621-2114

THOMAS AGENCY THE (DBA) – License Type: CCA 561 FOREST AVENUE PORTLAND , ME 04101 (207) 772-4659

THOMAS GEORGE ASSOCIATES INC (DBA) – License Type: CCA 4515 GEORGE ROAD / SUITE #355 TAMPA , FL 33634 (800) 443-8338

THOMAS GEORGE ASSOCIATES INC (DBA) – License Type: COM 4515 GEORGE ROAD / SUITE #355 TAMPA , FL 33634 (800) 443-8338

THOMAS GEORGE ASSOCIATES, LTD. (DBA) – License Type: CCA 10 LARKFIELD ROAD EAST NORTHPORT , NY 11731 (631) 261-8800

THOMAS J MACCARI PA (DBA) – License Type: COM 7700 CONGRESS AVE STE 1133 BOCA RATON , FL 33487 (561) 982-9772

THOMAS THOMAS WICHTERMAN & ASSOCIATES LLC (DBA) – License Type: CCA 5250 S COMMERCE DR STE 160 MURRAY , UT 84107 (801) 266-1717

THOMAS TOMLINSON INC (DBA) – BOTTOM LINE TECHNOLOGIES License Type: CCA 440 E SAMPLE RD #204 POMPANO BEACH , FL 33064 (954) 946-1626

TIBURON FINANCIAL LLC (DBA) – License Type: CCA 218 A SOUTH 108 AVE OMAHA , NE 68154 (402) 342-6750

TIDEWATER CONSUMER CREDIT (DBA) – License Type: CCA INTERSTATE CORPORATE CENTER, STE 140 BLDG. 11 NORFOLK , VA 23502 (757) 461-7671

TIGER TRADITIONAL RECOVERY LLC (DBA) – License Type: CCA 5330 RINGGOLD RD STE A CHATTANOOGA , TN 37412 (423) 855-9027

TIGERTRANZ INC (DBA) – TIGERTRANZ License Type: CCA 5330 RINGGOLD RD STE A CHATTANOOGA , TN 37412 (423) 855-9027

TITAN MANAGEMENT SERVICES (DBA) – License Type: CCA 3237 SATELLITE BLVD BUILDING 300 SUITE 210 DULUTH , GA 30096 (678) 906-2096

TITLE 11 FUNDING OF CALIFORNIA INC (DBA) – License Type: CCA 22362 GILBERTO STE 140 RANCHO SANTA MARGARITA , CA 92688 (949) 858-0314

TJEM INC (DBA) – CHECKCARE SYSTEMS License Type: CCA 1010 RED BUG LAKE ROAD CASSELBERRY , FL 32707 (407) 339-2439

TODD BREMER & LAWSON INC (DBA) – License Type: CCA 560 S HERLONG AVE ROCK HILL , SC 29732 (803) 323-5200

TOTAL CARD INC (DBA) – License Type: CCA 5109 S BROADBAND LANE SIOUX FALLS , SD 57108 (605) 977-1813

TOTAL CREDIT RECOVERY INC (DBA) – License Type: CCA 3025 W SAHARA AVE LAS VEGAS , NV 89102 (702) 220-7037

TOTAL CREDIT RECOVERY USA GROUP INC (DBA) – License Type: CCA 11300 ROCKVILLE PIKE STE 1200 ROCKVILLE , MD 20852 (301) 468-5500

TOTAL FLEET SOLUTIONS INC (DBA) – License Type: CCA 875 CONCOURSE PARKWAY S SUITE 125 MAITLAND , FL 32751 (407) 331-8630

TRACKERS INC (DBA) – EASTERN IOWA COLLECTION BUREAU, INC. License Type: CCA 1970 SPRUCE HILLS DR BETTENDORF , IA 52722 (563) 344-8500

TRAF GROUP INC THE (DBA) – CREDIT AMERICA License Type: CCA 101 GROVERS MILL ROAD SUITE 303 LAWRENCEVILLE , NJ 08648 (609) 771-9200

TRAF GROUP INC THE (DBA) – A-1 COLLECTION SERVICE License Type: CCA 101 GROVERS MILL ROAD SUITE 303 LAWRENCEVILLE , NJ 08648 (609) 771-9200

TRANS NATIONAL CREDIT CORPORATION (DBA) – License Type: CCA 851 SE 11 CT FT LAUDERDALE , FL 33316 (954) 522-0134

TRANSWORLD SYSTEMS INC (DBA) – CREDIT MANAGEMENT SERVICES License Type: CCA 2235 MERCURY WAY STE 275 SANTA ROSA , CA 95407 (707) 584-4225

TRANSWORLD SYSTEMS INC (DBA) – CREDIT MANAGEMENT SERVICES License Type: COM 3450 LAKESIDE DR STE 304 MIRAMAR , FL 33027 (262) 780-2000

TRAUNER, COHEN & THOMAS, LLP (DBA) – License Type: CCA 5901-C PEACHTREE DUNWOODY ROAD SUITE 500 ATLANTA , GA 30328 (404) 233-1900

TRIAD FINANCIAL SERVICES INC (DBA) – License Type: CCA 4336 PABLO OAKS CT JACKSONVILLE , FL 32224 (904) 223-1111

TRILOGY CAPITAL MANAGEMENT LLC (DBA) – License Type: CCA 12250 EL CAMINO REAL # 120 SAN DIEGO , CA 92130 (858) 259-6939

TRITIUM CARD SERVICES INC (DBA) – License Type: CCA 865 MERRICK AVE 4TH FLOOR WESTBURY , NY 11590 (516) 390-6400

TROJAN PROFESSIONAL SERVICES INC (DBA) – License Type: CCA 4410 CERRITOS AVE LOS ALAMITOS , CA 90720 (800) 451-9723

TRS RECOVERY SERVICES INC (DBA) – License Type: CCA 5251 WESTHEIMER HOUSTON , TX 77056 (303) 967-5529

TRUST TITLE COMPANY (DBA) – License Type: CCA 8230 BOONE BLVD STE 125 VIENNA , VA 22182 (703) 442-8442

TRUSTEE SERVICES INC (DBA) – License Type: COM 3790 N 28TH TERRACE HOLLYWOOD , FL 33020 (954) 929-8000

TSYS TOTAL DEBT MANAGEMENT INC (DBA) – License Type: CCA 6356 CORLEY RD NORCROSS , GA 30071 (770) 453-7710

TUPS CORP (DBA) – License Type: CCA 899 W AMERICAN EAGLE DR ST AUGUSTINE , FL 32092 (904) 685-5008

TURK COLLECTORS INC (DBA) – License Type: CCA 218 BROAD ST KEYPORT , NJ 07735 (732) 739-0330

TURNER MARTY ROMELL & TURNER VICTORIA LYNN (DBA) – M R TURNER & ASSOCIATES License Type: CCA 420 SW 122ND AVE PEMBROKE PINES , FL 33025 (954) 801-4908

TWCA INC (DBA) – License Type: CCA 201 CROSS STREET MIAMI SPRINGS , FL 33166 (754) 246-8692

TY TURNER LLC (DBA) – License Type: CCA 13309 WINDING OAK CT STE B TAMPA , FL 33612 (813) 924-5761

TYLER AND MORGAN ACQUISITIONS INC (DBA) – License Type: CCA 5802 BENJAMIN CENTER DRIVE SUITE 107 TAMPA , FL 33634 (813) 463-1066

TYMPANA (USA) INC (DBA) – License Type: CCA 1 MANGROVE WAY MONTEGO BAY JAMAICA , XX 00000 (804) 253-6383

Debt Collection Agencies ( S )

S & E RECOVERY INC (DBA) – License Type: CCA 3780 BURNS RD STE 5 PALM BEACH GARDENS , FL 33410 (561) 799-4800

S & S RECOVERY INC (DBA) – License Type: CCA 5739 STAGE RD STE 105 BARTLETT , TN 38134 (901) 386-0710

SARMA COLLECTIONS INC (DBA) – License Type: CCA 1801 BROADWAY SAN ANTONIO , TX 78215 (210) 244-4508

SATBO SALES LTD INC (DBA) – CREDIT CONTROL SERVICE License Type: CCA 1650 EASTERN PARKWAY STE 207 BROOKLYN , NY 11233 (347) 632-2933

SAVIT ENTERPRISES INC (DBA) – SA-VIT COLLECTION AGENCY License Type: CCA 46 C WEST FERRIS ST E BRUNSWICK , NJ 08816 (732) 257-5757

SC SERVICES & ASSOCIATES INC (DBA) – License Type: CCA 197 WATERFORD COURT LAKE CITY , FL 32025 (386) 752-0068

SCA COLLECTIONS-GREENVILLE NORTH CAROLINA INC (DBA) – License Type: CCA 300 E. ARLINGTON BLVD, STE 6A GREENVILLE , NC 27858 (252) 355-5500

SCHREIBER LAW FIRM LLC THE (DBA) – License Type: CCA 53 STILES RD STE A102 SALEM , NH 03079 (603) 870-5333

SCOTTSDALE COLLECTION SERVICES LLC (DBA) – SCS COLLECTION SERVICES LLC License Type: CCA 2501 W DUNLAP #240 PHOENIX , AZ 85021 (480) 575-9840

SECUREIT LLC (DBA) – License Type: CCA 12345 STARKEY ROAD SUITE A LARGO , FL 33773 (727) 490-1756

SECURITY CHECK LLC (DBA) – License Type: CCA PO BOX 1211 OXFORD , MS 38655 (662) 234-0440

SECURITY CREDIT SYSTEMS INC (DBA) – License Type: CCA 622 MAIN ST STE 301 BUFFALO , NY 14202 (716) 882-4515

SEIGEL-ROSENBERG IRIS (DBA) – SIR RECOVERIES License Type: CCA 2546 SAN ANDROS WEST PALM BEACH , FL 33411 (561) 333-3950

SELECT PORTFOLIO SERVICING INC (DBA) – License Type: CCA 3815 S WEST TEMPLE SALT LAKE CITY , UT 84115 (801) 293-2564

SENTRY CREDIT, INC. (DBA) – License Type: CCA 2809 GRAND AVE EVERETT , WA 98201 (425) 257-9500

SENTRY RISK SOLUTIONS LLC (DBA) – License Type: CCA 2430 MERRIMONT DR WINSTON SALEM , NC 27106 (336) 760-8557

SEQUOIA CONCEPTS INC (DBA) – License Type: CCA 500 N BRAND BLVD STE 1200 GLENDALE , CA 91203 (818) 409-6000

SERVICE FINANCE COMPANY LLC (DBA) – License Type: CCA 1956 NE 5TH AVE STE 8 BOCA RATON , FL 33431 (561) 361-8587

SERVICING SOLUTIONS LLC (DBA) – License Type: CCA 26250 NORTHWESTERN HWY STE 200 SOUTHFIELD , MI 48076 (800) 420-3657

SESSA LOUIS (DBA) – License Type: CCA 957 N. SUNCOAST BLVD CRYSTAL RIVER , FL 34429 (877) 240-5502

SGA RECOVERIES INC (DBA) – S GILLMAN ASSOCIATES License Type: COM 1700 N DIXIE HWY STE 150 BOCA RATON , FL 33432 (561) 392-7188

SHARMOUR ENTERPRISES INC (DBA) – License Type: COM 1700 N DIXIE HWY STE 150 BOCA RATON , FL 33432 (561) 392-7188

SHG FINANCIAL LLC (DBA) – License Type: CCA 2431 NE 32ND CT LIGHTHOUSE POINT , FL 33064 (954) 709-8101

SILVER & ASSOCIATES LTD (DBA) – License Type: CCA 1540 E DUNDEE RD PALATINE , IL 60074 (800) 818-8848

SILVER & ASSOCIATES LTD CORPORATION (DBA) – License Type: COM 1540 E DUNDEE RD STE 160 PALATINE , IL 60074 (800) 818-8848

SIMM ASSOCIATES INC (DBA) – License Type: CCA 800 PENCADER DRIVE NEWARK , DE 19702 (302) 283-2800

SITEL CUSTOMER CARE INC (DBA) – NAFS OF CANADA License Type: CCA 335 ONTARIO STREET LR2 5L3 ST CATHERINES ONTARIO CANAD , (716) 565-1020

SKO BRENNER AMERICAN INC (DBA) – License Type: CCA 841 MERRICK RD BALDWIN , NY 11510 (516) 771-4400

SMALL CLAIMS MEDIATION INC (DBA) – License Type: CCA 10211 NW PINES BLVD STE 231 PEMBROKE PINES , FL 33026 (954) 435-0071

SMITH ROUCHON & ASSOCIATES INC (DBA) – License Type: CCA 1456 ELLIS AVE JACKSON , MS 39204 (601) 355-5456

SMS FINANCIAL RECOVERY SERVICES LLC (DBA) – License Type: CCA 2645 N 7TH AVENUE PHOENIX , AZ 85007 (602) 944-0624

SN SERVICING CORPORATION (DBA) – License Type: CCA 323 FIFTH STREET EUREKA , CA 95501 (707) 476-1000

SOLACE FINANCIAL LLC (DBA) – License Type: CCA 5600 77 CENTER DRIVE SUITE 190 CHARLOTTE , NC 28217 (704) 525-2411

SOLOMON AND SOLOMON PC (DBA) – License Type: CCA FIVE COLUMBIA CIR ALBANY , NY 12203 (518) 456-8100

SOUTHEASTERN CREDIT BUREAU INC (DBA) – PARK DANSAN License Type: CCA 113 WEST THIRD AVENUE GASTONIA , NC 28052 (704) 864-4341

SOUTHERN COLLECTION AGENCY LLC (DBA) – License Type: CCA 119 WINDY HILL DR RINGGOLD , GA 30736 (706) 413-6385

SOUTHERN MANAGEMENT SYSTEMS INC (DBA) – License Type: CCA 625 HERNDON AVE STE C ORLANDO , FL 32803 (407) 895-7100

SOUTHERN SERVICE SYSTEMS INC (DBA) – License Type: CCA 9108 RODNEY PARHAM STE 204 LITTLE ROCK , AR 72205 (501) 219-4731

SOUTHERN STATES CREDIT & COLLECTION BUREAU INC (DBA) – License Type: CCA 224 E GARDEN ST STE 7 PENSACOLA , FL 32502 (850) 438-8718

SOUTHERN STATES CREDIT & COLLECTION BUREAU INC (DBA) – License Type: COM 224 E GARDEN ST STE 7 PENSACOLA , FL 32502 (850) 438-8718

SOUTHWEST BUSINESS CORPORATION (DBA) – License Type: CCA 9311 SAN PEDRO STE 600 SAN ANTONIO , TX 78216 (210) 635-1273

SOUTHWEST CREDIT SYSTEMS LP (DBA) – License Type: CCA 5910 W PLANO PARKWAY SUITE 100 PLANO , TX 75093 (972) 246-5900

SOUTHWEST CREDIT SYSTEMS LP (DBA) – License Type: COM 5910 W. PLANO PARKWAY, SUITE 100 PLANO , TX 75093 (972) 246-5900

SOVEREIGN EXCHANGE GROUP INC (DBA) – License Type: CCA 5761 S ORANGE BLOSSOM TR STE 12 ORLANDO , FL 32839 (407) 802-7319

SPARBEL TIMOTHY L (DBA) – FLORIDA JUDGEMENT RECOVERY SERVICES License Type: CCA 1787 ASHWORTH LOOP LAKELAND , FL 33810 (863) 853-2031

SPECTRUM LLC (DBA) – License Type: CCA 695 A1A N UNIT #6 PONTE VEDRA , FL 32082 (904) 540-6567

SRA ASSOCIATES INC. (DBA) – License Type: CCA 401 MINNETONKA ROAD HI-NELLA , NJ 08083 (856) 755-0500

STATE COLLECTION SERVICE INC (DBA) – License Type: CCA 2509 S STOUGHTON RD MADISON , WI 53716 (608) 661-3000

STATES RECOVERY SYSTEMS INC (DBA) – License Type: CCA 2951 SUNRISE BLVD #100 RANCHO CORDOVA , CA 95742 (916) 631-7085

STATEWIDE COLLECTIONS INC (DBA) – License Type: CCA 49 NW 17TH ST HOMESTEAD , FL 33030 (305) 248-6400

STB RECOVERY INC (DBA) – License Type: CCA 2709 SWAMP CABBAGE CT FT MYERS , FL 33901 (239) 498-0550

STC SOLUTIONS INC (DBA) – License Type: CCA 1100 GLENDON AVE STE 1250 LOS ANGELES , CA 90024 (310) 824-6464

STEPHEN R KOPOLOW PC (DBA) – License Type: CCA 3265 N FORT APACHE STE 110 LAS VEGAS , NV 89129 (866) 885-1574

STEPHENS & MICHAELS ASSOCIATES INC (DBA) – License Type: CCA 63 RANGE ROAD WINDHAM , NH 03087 (603) 328-2800

STEPHENS & MICHAELS ASSOCIATES INC (DBA) – License Type: COM 63 RANGE RD WINDHAM , NH 03087 (603) 328-2800

STERLING & KING INC (DBA) – STERLING UNITED License Type: CCA 500 S.R. 436 SUITE 2074 CASSELBERRY , FL 32707 (407) 339-9033

STERLING FIN & MGMT INC (DBA) – License Type: CCA 2870 SCHERER DR N STE 100 ST PETERSBURG , FL 33716 (727) 299-9555

STEWART & ASSOCIATES PC (DBA) – License Type: CCA 3950 JOHNS CREEK COURT SUITE 100 SUWANEE , GA 30024 (678) 684-4100

STONELEIGH RECOVERY ASSOCIATES LLC (DBA) – License Type: CCA 1919 S HIGHLAND AVE STE 325-B LOMBARD , IL 60148 (630) 282-5750

STRATEGIC OPERATIONS INC (DBA) – License Type: CCA 130 NE 1ST AVE HALLANDALE , FL 33009 (954) 801-7266

STRATEGIC RECOVERY GROUP LLC (DBA) – ACQURA LOAN SERVICES License Type: CCA 6500 INTERNATIONAL PKWY STE 1500 PLANO , TX 75093 (972) 644-3314

STRATEGIC RECOVERY INC (DBA) – License Type: CCA 2709 SWAMP CABBAGE CT FT MYERS , FL 33901 (239) 498-0550

STRATEGIC RECOVERY SYSTEMS INC (DBA) – License Type: CCA 421 N 7TH STREET STE 701 PHILADELPHIA , PA 19123 (215) 825-5800

STUART ALLAN & ASSOCIATES INC (DBA) – License Type: CCA 5447 E 5TH ST #110 TUCSON , AZ 85711 (520) 881-5900

SUBURBAN CREDIT CORPORATION (DBA) – License Type: CCA 6142 FRANCONIA RD ALEXANDRIA , VA 22310 (703) 924-3000

SUCCESS RESOURCE GROUP INC (DBA) – License Type: CCA 2020 W MCNAB RD STE 109 FT LAUDERDALE , FL 33309 (954) 590-3442

SUNBELT MEDICAL BILLINGS INC (DBA) – License Type: CCA 800 E HALLANDALE BEACH BLVD #26 HALLANDALE , FL 33009 (954) 455-3533

SUNLIFE INC (DBA) – SUNLIFE COLLECTION AGENCY INC License Type: CCA 1961 NW 150TH AVE STE 204 PEMBROKE PINES , FL 33028 (954) 438-7865

SUNRISE CREDIT SERVICES (DBA) – License Type: CCA 260 AIRPORT PLAZA FARMINGDALE , NY 11735 (631) 501-8500

SUNSHINE COLLECTIONS INC (DBA) – License Type: CCA 2207 VERO BEACH LANE WEST PALM BEACH , FL 33411 (561) 689-7748

SUNSHINE STATE FINANCIAL SERVICES LLC (DBA) – License Type: CCA 1650 SW 22ND ST #403 MIAMI , FL 33145 (305) 742-5122

SUPERIOR ASSET MANAGEMENT INC (DBA) – License Type: CCA 1000 ABERNATHY RD. NE BUILDING 400, SUITE 165 ATLANTA , GA 30328 (850) 837-8008

SUPERIOR SERVICES LLC (DBA) – License Type: CCA 14097 CRESTWICK DR E JACKSONVILLE , FL 32218 (904) 545-3356

SURGICAL COLLECTION SERVICES LLC (DBA) – License Type: CCA 519 MEDICAL OAKS AVE BRANDON , FL 33511 (813) 685-7995

SYMMETRY MANAGEMENT CORP (DBA) – BCC FINANCIAL MANAGEMENT SERVICES INC License Type: CCA 3230 W COMMERCIAL BLVD SUITE 200 FORT LAUDERDALE , FL 33309 (954) 730-0993

SYNDICATED OFFICE SYSTEMS (DBA) – CENTRAL FINANCIAL CONTROL License Type: CCA 1500 S. DOUGLASS RD. ANAHEIM , CA 92806 (469) 893-2405

SYNERGETIC COMMUNICATION INC (DBA) – SYNCOM License Type: CCA 5450 NW CENTRAL STE 1000 HOUSTON , TX 77092 (713) 460-3114

SYNTER RESOURCE GROUP LLC (DBA) – License Type: CCA 5935 RIVERS AVE SUITE 102 CHARLESTON , SC 29406 (843) 746-2200

SYRUS FINANCIAL SERVICES INC (DBA) – SYRUS FINANCIAL SERVICES License Type: CCA 8194 NW 40TH CT CORAL SPRINGS , FL 33065 (954) 757-9457

SYSTEMS & SERVICES TECHNOLOGIES INC (DBA) – License Type: CCA 4315 PICKETT RD ST JOSEPH , MI 64503 (504) 846-7906