Unlicensed CA's

[LVMortgageMom]

My DH used to live in California, but now lives here in Nevada. A few of the CA that are reporting to the CRA's are not licensed here. We've disputed with the CRA and followed up with DV letters to the CAs. So, my question is, being that they aren't licensed here, can they continue to report? There seems to be differing opinions among the elder members here.

[momof5]

The theory is that if they aren't licensed, they cannot collect....if they cannot collect, they cannot report.

Check NV laws...in FL a CA must be licensed, BUT there is an exception....if they are not seeking to collect accounts for a company in FL, they don't need to be licensed. For example: I have a medical collection in SC. The CA is SC based and only collects for companies in SC. Because of that, they CAN report. Hmmmm, 2 more years and counting until deletion.

[divemedic]

in FL a CA must be licensed, BUT there is an exception....if they are not seeking to collect accounts for a company in FL, they don't need to be licensed.

Almost. The statute says:

(h) Any out-of-state consumer debt collector who does not solicit consumer debt accounts for collection from credit grantors who have a business presence in this state.

Even if they are not a Florida company, if they have even one office here, they have a business presence. Look hard.

Even if the CA is not collecting for a company with a business presence in Florida in your case, if they collect for even one company who has a presence here, they must be licensed.

[momof5]

Got that...but for me it is a Dr's office and they don't have an office here and neither does the CA. They are not actively collecting on the acct, they just report it, verify it and won't PFD.

[divemedic]

Do they collect for a large chain of hospitals like sentara?

[par]

Does NV have a clear registrattion requirement? Also bond?

My DH used to live in California, but now lives here in Nevada. A few of the CA that are reporting to the CRA's are not licensed here. We've disputed with the CRA and followed up with DV letters to the CAs. So, my question is, being that they aren't licensed here, can they continue to report? There seems to be differing opinions among the elder members here.

[momof5]

Dive,

Nope...small orthopeadic office.

[divemedic]

No, not your case specifically, but do they EVER? If they do, they must be licensed.

[LVMortgageMom]

Does NV have a clear registrattion requirement? Also bond?

This is the requirement for the state of Nevada:

Physical office required in Nevada. License required for solicitation by telephone or mail to attempt to collect a debt in Nevada on behalf of a Nevada client. An out of Nevada collection agency attempting to collect into Nevada on behalf of an out of Nevada client is exempt form licensing, provided those activities are limited to interstate communication (i.e. telephone, fax, or mail).

However, in this case the OC is a hospital located in Nevada.

[cajunbulldog]

This is the requirement for the state of Nevada:

Physical office required in Nevada. License required for solicitation by telephone or mail to attempt to collect a debt in Nevada on behalf of a Nevada client. An out of Nevada collection agency attempting to collect into Nevada on behalf of an out of Nevada client is exempt form licensing, provided those activities are limited to interstate communication (i.e. telephone, fax, or mail).

However, in this case the OC is a hospital located in Nevada.

Looks like it is clear to me that they have to be licensed to collect for that hospital.I think the only way around it would be if they purchased the debt from the hospital and are collecting it in that manner.