Collections U.S.A., Inc.: Who They Are and Your Rights

Type

Collection agency

Also known as

Collections USA, Inc.; Collections USA; Collections U.S.A. Inc.

Headquarters

Phoenix, AZ

106 debt collection complaints were sent to the Consumer Financial Protection Bureau about COLLECTIONS USA, INC. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is Collections U.S.A., Inc.?

Collections U.S.A., Inc., also written "Collections USA," is an Arizona collection agency. Its BBB business profile lists a main office at 21640 N. 19th Avenue, Suite C-3, Phoenix, AZ 85027, a mailing address of P.O. Box 12347, Glendale, AZ 85318, and earlier Phoenix addresses on N. 19th Avenue and W. Deer Valley Road. The profile says the corporation started business on January 1, 1989, was incorporated on August 21, 1989, and names Eddy Bramel as president and CEO. We could not find an official company website, so this profile relies on that public record. We did not find a CFPB enforcement action against Collections U.S.A.

Many collectors have "USA" in their names. Check that your letter shows a Phoenix or Glendale, Arizona address before relying on this page.

Why Collections U.S.A. May Be Contacting You

We did not find a public statement from the company about which creditors it serves or what kinds of debt it collects. If you lived, rented, received services or did business in the Phoenix area, a contact from it is likely about an account with an Arizona business, but only the validation notice can tell you for sure. That notice must give the name of the original creditor, the account number and an itemized balance.

How to Check a Debt Collections U.S.A. Says You Owe

• Get the details in writing. Ask the company to mail you the validation notice required by 15 U.S.C. § 1692g and 12 C.F.R. § 1006.34, then read it closely.
• Trace the account to the business you dealt with. If it is an apartment move-out balance, ask for the lease, the move-out inspection and the deposit accounting. If it is a medical or service bill, ask for the itemized bill.
• Dispute in writing within the validation period if the amount is wrong or the account is not yours (15 U.S.C. § 1692g(b)); our dispute page explains how.
• Ask whether a judgment exists. Some agencies collect on court judgments as well as unpaid bills, and the rules for each differ. Ask for the case number if one is claimed.
• Look at the age of the debt. Texas generally allows four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Arizona and other states have their own limits.

What Collections U.S.A. Can and Can't Do

An agency that collects consumer debts for others is a "debt collector" under 15 U.S.C. § 1692a(6).

• It may not report a debt to the credit bureaus before contacting you about it (12 C.F.R. § 1006.30(a)), and must mark a reported debt you dispute as disputed (15 U.S.C. § 1692e(8)).
• It may not tell your landlord, employer or family about the debt, except to find out how to reach you (15 U.S.C. § 1692c(b)).
• It may not add fees the original agreement or the law does not allow (15 U.S.C. § 1692f(1)).
• If it sues, it must do so where you live or where you signed the contract (15 U.S.C. § 1692i); see where you can be sued in Texas.

If something about its collection seems wrong, see our Texas FDCPA attorneys page.

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Collections U.S.A., Inc. or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• BBB business profile: Collections U.S.A. Inc. (Phoenix, AZ)
• CFPB enforcement actions search
• CFPB Consumer Complaint Database: COLLECTIONS USA, INC., debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Collections U.S.A., Inc. has violated any law. Company details change; tell us if something here is out of date.