U.S. Collections West, Inc. (USCW) is a Phoenix, Arizona collection agency that has been in business since 1986. A letter or call from it means a creditor has placed a past-due account with it for collection.
- Type
- Collection agency
- Also known as
- U.S. Collections West, Inc.; U S Collections West Inc; USCW
- Headquarters
- Phoenix, AZ
127 debt collection complaints were sent to the Consumer Financial Protection Bureau about U.S. Collections West, 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 U.S. Collections West?
U.S. Collections West, Inc. (USCW) is a collection agency in Phoenix, Arizona. The Better Business Bureau lists its office at 2320 W. Peoria Avenue, Suite C116, Phoenix, AZ 85029, and a mailing address at P.O. Box 39695, Phoenix, AZ 85069. The BBB shows the corporation as incorporated in July 1986 and in business since August 1986, and lists USCW and US Collections West as other names. When we checked, the web address the BBB lists for the company did not lead to an active company website, so we have not listed a website or phone numbers here; use the contact details printed on your letter. We did not find a CFPB enforcement action against U.S. Collections West.
Why U.S. Collections West May Be Contacting You
We could not verify from an official source which creditors or industries USCW collects for. The creditor's name on your validation notice is the most reliable way to identify what the account is: the original company you did business with, and the current owner if the account has been sold.
If the creditor's name means nothing to you, say so in a written dispute rather than paying or giving out financial details on the phone.
How to Check a Debt U.S. Collections West Says You Owe
When you cannot easily look a collector up online, make the paperwork do the work.
- Keep the first letter. The validation notice must state the creditor, the account and an itemized balance, plus the date by which you can dispute (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing before that date, by certified mail to the address on the notice. Ask for the name of the original creditor, the date of the last payment and an account statement. USCW must stop collecting until it verifies.
- Ask who owns the debt now. If the account was sold, the buyer, not the original creditor, is the one that would have to prove the debt in court.
- Compare with your records to see whether the account is yours, was paid, or was included in a bankruptcy.
- Look at the date of default. If you now live in Texas, the general limitation period for a suit on a debt is four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Arizona and other states have their own periods.
What U.S. Collections West Can and Can't Do
An agency that collects consumer debts owed to others is a "debt collector" under 15 U.S.C. § 1692a(6).
- It must tell you in its first communication that it is a debt collector (15 U.S.C. § 1692e(11)).
- It may not threaten to sue on a debt that is too old to sue on, or misrepresent a debt's legal status (15 U.S.C. § 1692e(2)(A), (5)); see our note on time-barred debt and Regulation F.
- It may not call more than seven times in seven days about a debt (12 C.F.R. § 1006.14(b)(2)).
- If you tell it in writing to stop contacting you, it must stop except for limited notices (15 U.S.C. § 1692c(c)).
If its collection seemed improper, 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 U.S. Collections West 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: U S Collections West Inc
- CFPB enforcement actions search: U.S. Collections
- CFPB Consumer Complaint Database: U.S. Collections West, Inc., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that U.S. Collections West has violated any law. Company details change; tell us if something here is out of date.