Debt Collectors International: Who They Are and Your Rights

Type

Collection agency

Also known as

Debt Collectors International, Inc.; DCI

Headquarters

Maitland, FL

Collects

commercial accounts

Phone numbers it lists

(407) 374-0000

Website

debtcollectorsinternational.com

58 debt collection complaints were sent to the Consumer Financial Protection Bureau about Debt Collectors International, 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 Debt Collectors International?

Debt Collectors International, Inc. (DCI) is a Florida corporation. A 2025 order from California's Department of Financial Protection and Innovation (DFPI) gives its principal place of business as 2200 Lucien Way, Suite 195, Maitland, Florida, near Orlando, and identifies it as a debt collector licensed under California's Debt Collection Licensing Act (license No. 11471-99). The order states that the company collects debt related to consumer financial products or services.

DCI's own website presents it mainly as a commercial collection agency, citing more than 30 years of commercial collection experience and a "no recovery, no fee" model for most accounts. It lists clients in manufacturing, construction, staffing, logistics, marketing, software, health care, hospitality, legal, financial, retail and media, and offers skip tracing, judgment enforcement and receivables management. Its listed phone number is (407) 374-0000.

Why Debt Collectors International May Be Contacting You

Because DCI focuses on business-to-business claims, a likely reason an individual hears from it is a business debt, such as an unpaid invoice owed by a company you own or run, or a personal guaranty you signed for a business. The company's California license and the DFPI's description indicate it also handles at least some consumer accounts.

The difference matters. The FDCPA protects people only on debts incurred for personal, family or household purposes. If the account is a business debt, many FDCPA protections don't apply, although other laws may.

How to Check a Debt Debt Collectors International Says You Owe

• Find out whose debt it is. Ask whether DCI is pursuing you personally, your company, or you as a guarantor, and ask for a copy of any guaranty you supposedly signed.
• Ask for the invoices and contract. For a business claim, compare them with your company's records of what was delivered, disputed or paid.
• If it's a consumer debt, use the validation notice. You have the rights in 15 U.S.C. § 1692g and 12 C.F.R. § 1006.34, including a written dispute within the validation period.
• Confirm who owns the claim. DCI's site says it works for creditors on contingency, so the creditor should still be the owner. Ask it to confirm.
• Check the dates. Texas generally gives four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debts (Tex. Fin. Code § 392.307). Other states differ.

What Debt Collectors International Can and Can't Do

When DCI collects a consumer debt for someone else, it is a debt collector under 15 U.S.C. § 1692a(6). On a consumer account, it:

• May not misrepresent the amount owed or who owns the debt (15 U.S.C. § 1692e(2)).
• May not call at unusual times (before 8 a.m. or after 9 p.m. your time) or at work if it knows your employer forbids it (15 U.S.C. § 1692c(a)).
• Must respect Regulation F's limit of seven calls in seven days per account (12 C.F.R. § 1006.14(b)(2)).
• Must stop contacting you if you ask in writing, apart from limited notices (15 U.S.C. § 1692c(c)).

We did not find a CFPB enforcement action against Debt Collectors International. California's DFPI issued a desist and refrain order on April 1, 2025, alleging that the company had not filed its 2024 annual report under the Debt Collection Licensing Act by the March 15, 2025 deadline and filed it only after receiving a notice of failure to file. The DFPI lists a settlement agreement resolving the matter dated April 21, 2025. See what times collectors can call, or our FDCPA attorneys page.

Government Actions on the Public Record

• California DFPI settlement agreement (alleged late DCLA annual report) (2025-04-21)
• California DFPI desist and refrain order (alleged late DCLA annual report) (2025-04-01)

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 Debt Collectors International 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

• Debt Collectors International: home page
• California DFPI: Debt Collectors International Inc. enforcement actions
• California DFPI: desist and refrain order
• CFPB enforcement actions (full list reviewed)
• CFPB Consumer Complaint Database: Debt Collectors International, Inc., debt collection

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