We adhere strictly to Collection Protocol and Guideline:
- Collectors can only call you from 8:00 a.m. to 9 p.m. local time. AG International will stop immediately if the debtor writes or says “Stop Calling me.” *AG International does not call after 8pm as a courtesy.
- Collectors cannot call repeatedly in one day with the intent to annoy.
- If debtor is represented by an attorney, we suspend all calls to debtor and only communicate with the attorney, period.
- Once debtor asks (in writing) for validation of a debt, we suspend all communications until said validation is received by the debtor. *AG International will send validation by verbal request from debtor.
- Collectors cannot use misrepresentation or deceit — they cannot say they are an attorney or a law enforcement officer. *AG International has NEVER had a complaint filed against them from any regulatory agency.
- Collectors cannot publish the debtor’s name on a bad debt list.
- The amount owed has to be accurate. *AG International does not add any fees that are not stipulated in the signed consent form from the debtor.
- Collectors cannot threaten to have you arrested if they are not going to AND they cannot cuss at you. *AG International policy is to calmly discuss options with debtors.
- Collectors cannot generally discuss your debt with anyone except spouse or lawyer and cannot send post card or embarrassing media. *All communications between debtor and AG International is strictly confidential and professional.
- Collectors cannot put false information on your credit report. * In specific case by case review, (generally disputes) with your consent and as a courtesy to your patient, AG International will delete all record from the credit bureau after patient satisfies the account.
