About
Who we are
A California collection agency built around two ideas: that a well-documented file collects better than an aggressive one, and that creditors deserve a straight answer about what their account is actually worth.
Why we exist
Most creditors do not want to be in the collections business. A landlord wants to lease units. A contractor wants to finish jobs. A clinic wants to treat patients. Chasing a past-due balance is time taken from the actual work, and it rarely gets easier the longer it sits.
Pacific Coast Debt Recovery exists to take that file off your desk. We are a third-party collection agency, which means the account is assigned to us and we pursue it in our own name, following the notice and contact rules that govern this work.
The discipline that matters
Collection law is unforgiving of shortcuts. A single improper contact — a call outside permitted hours, a misstatement about the debt, a threat of action that was never going to be taken — can expose both the agency and the original creditor to statutory liability. We build every file to survive review, because that is what protects you as much as it protects the consumer.
How we work
Every account is handled by a person who knows the file, not by an automated dialer working a list. We document each contact attempt, each conversation, and each payment, and you can ask for the status of your file at any time and get an actual answer.
We also tell you when to stop. If a debtor is genuinely judgment-proof, if the documentation will not support the claim, or if the account has aged past the point where pursuing it makes economic sense, we will say so. An agency that keeps a hopeless file open is wasting your time and its own.
Where we work
We serve creditors throughout California, with particular familiarity along the Central and Pacific coast — the local courts, the local rental market, and the small and mid-sized businesses that operate here.
Credentials
Licensing and standards
Confirm any of this before you place an account with us — or with anyone else.
Licensing status
Application for a California Debt Collection Licensing Act (DCLA) license is in progress with the California Department of Financial Protection and Innovation. We do not place or work any account until that license is active.
Bonded and insured
Surety bond and liability coverage will be secured as required for licensed collection activity in California, with certificates available once our license is active.
Statutory compliance
Operating under the federal Fair Debt Collection Practices Act and Regulation F, and the California Rosenthal Fair Debt Collection Practices Act.
Segregated trust accounting
Funds recovered on your behalf are held separately from operating funds and remitted on a defined schedule with a full accounting.
Written fee agreement
Contingency rate quoted and agreed in writing before placement. No monthly minimums, no placement fees, no charges that appear later.
Creditor authority
Settlements and legal referrals require your approval. We recommend; you decide. Nothing is compromised on your account without your consent.
Questions before you place an account?
Ask them. We would rather spend fifteen minutes on the phone up front than take on a file neither of us should be pursuing.