California Collection Agency

California agencies operate the same way as a nationwide collection agency, however merchants and consumers doing business in California prefer to hire an agency located within their state. California collections tend to be "very sticky" as compared to other states due to the stringent laws and procedures associated with the State of California and the practice of debt colleting.

Pacific Healthcare Services is the authority on the laws and general collection practices of California, which is why they are the most sought after collection agency in the country. Even companies that are based in Oregon and Washington that would normally look for a collection agency located in their own state will still seek the help of a Pacific Healthcare Services to handle their collections.

Pacific Healthcare Services is regulated by the FDCPA, as are all collection agencies. Debt collection has to be a regulated industry because of its sheer size. There will always be strict guidelines for every California agency to follow.

Subrogation Claims Rising

Unpaid insurance subrogation claims are still on the rise in many states. The top ten states that have the highest gross unpaid subrogation is California, Oregon, Washington, Hawaii, Arizona, New Mexico, Michigan, New York, Illinois and Colorado. Subrogation collections are very tricky and must be left up to collection professionals. Subrogation claims should be handled by a collection agency that is very aggressive and that is familiar with subrogation laws. Once again, Pacific Healthcare Services is the choice in this arena as compared to other national collection companies.

California Statute of Limitations

The statute of limitations for a written contract in the State of California is four years. That means that a collection agency, or the original creditor, cannot legally enforce a debt that is older than four years. Although the collection agency can still try to collect the debt virtually forever, the debtor can never be sued. The account will still remain on the debtor's credit profile for the seven-year duration. Most debtors in the long run will eventually pay some sort of a lump sum settlement to the collection agency. Collection agencies specialize in collecting debts no matter how old the accounts are, which is why people usually pay over time. There is really no other way of making the debt go away.

Pacific Healthcare Services - California's Choice for Collections

Pacific Healthcare Services, Inc. is a full service collection agency that is based in Southern California. PHS also collects nationwide and specializes in commercial, consumer and subrogation debt collection. Merchants looking for a commercial collection agency located in California always find our rates lower than the industry average. Our professional debt collection experts are trained in all areas of collections. Whether you are looking for a commercial collection agency, or a consumer collection agency, Pacific Healthcare Services is equipped to handle all of your collection needs!