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  1. Third Party Debt Collection

TCR Departments

Nationwide, Third Party Debt Collection Agency Services

As per the FDCPA, accounts handled by TCR's Extended Business Office and Early-Out Self-Pay Departments are not considered to be delinquent and subject to formal collection activity or management. Once an account has formally been designated as delinquent it can be transferred and serviced by our third party debt collection parent company, Aargon Agency, Inc.

Comprehensive National Debt Collection Agency Services

Aargon Agency Inc., is a nationally licensed debt collection agency headquartered in Las Vegas, Nevada with four offices in Hawaii, Colorado, Florida and Missouri.

We offers comprehensive debt collection agency services nationwide. Our strengths are based on innovative, resourceful and compliant debt collection practices that are continuously developed using the latest technology. From high-capacity, networked call centers in all US time zones to the most highly trained debt collectors, maximizing the recovery of debt is our primary mission.

With our advanced reporting systems, our clients also benefit from tailored reports and 24/7 access to their account information. Our system also allows you to review your customers' notes & payments, update accounts, generate tailored reports and receive invoices.

Live Collection Representatives Available from 8am EST to 9pm Hawaiian Time

Our call center offices across the country, located in all 5 U.S. time zones, allows for the ability to receive debt collection calls from 8am EST to 9pm Local Hawaii time, allowing your customers to speak with live, bilingual representatives 19 hours a day. Outbound collection activity conforms to FDCPA regulations and is conducted only between 8 a.m. & 9 p.m. local time.

All Collection Calls Recorded
Anytime a consumer makes allegations regarding how they were treated or that federal or state laws were not adhered to, that customer can pursue legal action. With all calls being recorded, we are able to prove that our trained collectors are following all required laws & have not violated a customer's rights.

ApexVox - LRD (Live Representative Dialing)
TCPA Compliant Call Center Technology
With our proprietary ApexVox - LRD call system, all telephone campaigns are executed and managed in-house by Aargon Agency, Inc. and all outbound calls are initiated and transfered between highly trained Aargon call center representatives. The ApexVox dialing platform is entirely seperate and independent of auto-dialing systems, ensuring complete TCPA & FDCPA regulatory compliance.

This human intiated telephone dialing system allows for full legal compliance with all Telephone Consumer Protection Act (TCPA) & Fair Debt Collections Practices Act (FDCPA) requirements and guidelines, as well as maintaining compliance in accordance with the latest court rulings and precendents affecting the application of the TCPA.

Nationally Licensed Offices with Five 24/7High-Capacity Networked Call Centers
Aargon Agency Inc., operates 5 offices with high capacity, state-of-the-art call centers in Hawaii, Nevada, Colorado, Missouri & Florida. Being licensed in 46 states across the country allows us to legally continue collection efforts if a customer moves across state lines.

24/7 Online Collection Account Information
At any time your customers can access their account, make payments or obtain requested information such as proof of payments and copies of letters that have been sent. These features also allows you, the client, the ability to review your customers' notes & payments in real time, update accounts, generate reports and receive invoices anytime and from anywhere.

Innovative Collection Account Reporting Technology
Trace, our proprietary collections software, allows us to generate tailored, familiar reports that your office will be ready to work with. Trace also allows us to receive your files in any format while providing you the flexibility to review receivables as if they were in your office.

In-House Attorneys & Legal Representation
Our staff of debt collection attorneys are ready to pursue accounts through State and Federal courts under appropriate circumstances.

Complete Collection Industry Legal Compliance
Aargon Agency, Inc. maintains strict compliance with all applicable State and Federal laws:

• The Dodd-Frank Act
• Graham Leach Bliley Act (GLBA)
• Fair Debt Collections Practices Act (FDCPA)
• Servicemembers Civil Relief Act (SCRA)
• Fair Credit Transaction Act (FACTA)
• Telephone Consumers Protection Act (TCPA)


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