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Collection Agency in Indiana

Indiana collection agency

CA-USA’s debt recovery services in Indiana are designed to offer a professional, compliant, and effective approach to collections. Licensed in Indiana and well-versed in both state and federal regulations, such as the Fair Debt Collection Practices Act (FDCPA) and the Indiana Uniform Consumer Credit Code, CA-USA ensures all debt collection processes are handled with respect and care.

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Our services focus on a combination of friendly reminder notices and strategic collections, helping businesses and medical offices recover debts while maintaining positive customer relationships. By prioritizing ethical practices and transparent communication, CA-USA aims to optimize recovery rates without jeopardizing the client’s reputation.

Collection Laws in Indiana

Understanding the legal framework governing debt collection in Indiana helps ensure compliance and ethical practices.

  1. Indiana Uniform Consumer Credit Code (UCCC):
    • Citation: Indiana Code Title 24, Article 4.5
    • Overview: Regulates consumer credit transactions and provides guidelines for debt collection practices, including limitations on communication and prohibited actions.
  2. Fair Debt Collection Practices Act (FDCPA):
    • Citation: 15 U.S.C. §§ 1692-1692p
    • Overview: A federal law that prohibits debt collectors from using abusive, unfair, or deceptive practices. Applicable nationwide, including Indiana.
  3. Indiana Collection Agency Act:
    • Citation: Indiana Code § 25-11
    • Overview: Requires collection agencies to be licensed and outlines regulations they must follow, including bonding requirements and grounds for disciplinary action.
  4. Indiana Deceptive Consumer Sales Act:
    • Citation: Indiana Code § 24-5-0.5
    • Overview: Protects consumers from deceptive, unfair, or abusive practices in sales and services, which can include certain debt collection activities.
  5. Statute of Limitations on Debt:
    • Written Contracts: 10 years
    • Oral Contracts and Open Accounts: 6 years
    • Citation: Indiana Code § 34-11-2
    • Overview: Limits the time frame within which legal action can be taken to collect a debt.
  6. Wage Garnishment Laws:
    • Limits on Garnishment: The lesser of 25% of disposable earnings or the amount by which disposable earnings exceed 30 times the federal minimum hourly wage.
    • Citation: Indiana Code § 24-4.5-5-105
    • Overview: Sets the maximum amount that can be garnished from a debtor’s wages.
  7. Interest Rates on Debt:
    • Maximum Allowed: Varies depending on the type of debt and agreement.
    • Citation: Indiana Code § 24-4.6
    • Overview: Regulates the interest rates that can be charged on debts, preventing usurious rates.
  8. Prohibited Practices:
    • Harassment and Abuse: Prohibited from using threats, obscene language, or repeatedly calling to annoy.
    • False Representation: Cannot misrepresent the amount owed or pose as an attorney if they are not.
    • Citation: Under both FDCPA and Indiana UCCC.
  9. Medical Debt Specific Regulations:
    • HIPAA Compliance: Agencies must comply with federal HIPAA laws when handling medical debts to protect patient privacy.
    • Consent Requirements: Certain communications may require patient consent due to privacy laws.
  10. Indiana Small Claims Court Procedures:
    • Jurisdiction Limit: Claims up to $8,000.
    • Citation: Indiana Small Claims Rules.
    • Overview: Provides a simplified court process for collecting smaller debts.

Choosing the right collection agency requires ensuring legal compliance, ethical practices, effective debt recovery and protecting your business’s reputation.

Filed Under: collections

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