“Not legally bound” to a debt not on a credit report?
We recently had a consumer visit our office and make the statement that he was “not legally bound” to pay a debt that was not on his credit report. That’s a new one! Lets take a moment and look at...
View ArticleWhat will still be owed after a bankruptcy?
Although more than a million Americans file bankruptcy annually, there is considerable confusion on what it is and what it means to the consumer and creditors alike. Not a week goes by when I don’t...
View ArticleWhat is an “itemized statement” for debt collection purposes?
Southern is a third party debtor collector as defined by the federal Fair Debt Collection Practices Act (FDCPA) and as such we have certain legal obligations when a consumer disputes a debt. Case law...
View ArticleAdding Value – Partnerships That Train!
Many of our clients have participated in one of our hosted training seminars over the years, and more have attended a conference where we have been a presenting speaker. That tradition continues as we...
View ArticleOregon Collectors Association Scholarship is Available!
Since 1985, the Oregon Collectors Association (ORCA) has been fortunate to present scholarships to Oregon high school seniors who were going to college somewhere in Oregon. Since that time, ORCA has...
View Article2018 is a Year of Technical Upgrades at Southern!
All businesses need to keep a strategic eye on the future of their industry and the products and services necessary to run their operations in a competitive and efficient manner, or they won’t continue...
View Article“Will you take my account for collection?”
We receive calls from people every week asking if they can place an account or accounts with us for collection. Sometimes, we have to tell people we will not accept their account and they can be...
View ArticleGetting an Itemized Statement to Balance is Not Negotiable!
Imagine you have received a bill from a debt collector and you thought it had all been paid and taken care of some time ago. You contact the collector and tell them such, and you need to see a bill...
View ArticleMoney or Credit?
In a recent presentation, the speaker asked the rhetorical question: “In a credit-based economy, what is more important: Credit or money?” Many people, if not most, go through life assuming money is...
View ArticleSouthern Merges with Fidelity Collection Service
President of Southern Oregon Credit Service Brian Watkins is excited to announce the merger of two long-term collection companies into one entity effective January 1st, 2020! Fidelity Collection...
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