Health Insurance Portability and Accountability Act

HIPAA was enacted by the United States Congress and signed by President Bill Clinton in 1996. It has been known as the Kennedy–Kassebaum Act or Kassebaum-Kennedy Act after two of its leading sponsors. Title I of HIPAA protects health insurance coverage for workers and their families when they change or lose their jobs. Title II of HIPAA, known as the Administrative Simplification (AS) provisions, requires the establishment of national standards for electronic health care transactions and national identifiers for providers, health insurance plans, and employers.

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Oregon Revised Statutes 646.639

O.R.S. 646.639 the state statutory regulation as related to debt collections. It not only applies to third party debt collection agencies, but to first party recovery as well. Our policies and procedures demonstrate an active interest in compliance with all levels of regulation. We feel that accountability and responsibility are the foundation of a good agency-client relationship, and compliance is one of the issues that separate a good agency from bad.


Fair Debt Collection Practices Act (FDCPA)

FDCPA is the federal regulation, cited under 15 U.S.C. 1692 (formerly PL95- 109) is the federal regulatory act covering collection agencies. Each of our collectors have earned a certificate from the American Collectors Association in this very important law. In addition, they receive periodic testing and educational material to keep them up to date on any rule changes or new case laws.


GLBA (The Gramm-Leach-Bliley Act) 

Like HIPAA, GLBA sets the standard for security, protection and disclosure of consumer information in the Banking Industry. Our team is well educated in the area of security and information protection. You can be confident that your information will be maintained in a secure and guarded fashion. As our database is not accessible by conventional internet connections, it is secured from any attempt to access protected consumer information.