Debt Buying services

At Capital Recovery Alliance, LLC, we provide businesses with a compliant and professional solution for resolving charged-off and non-performing accounts. As a licensed collection agency in California, we purchase qualifying portfolios of delinquent receivables and manage the recovery process in full compliance with the Fair Debt Collection Practices Act (FDCPA), the Rosenthal Fair Debt Collection Practices Act (California Civil Code §1788 et seq.), and all other applicable state and federal regulations.

• Portfolio Purchase – We purchase charged-off or non-performing receivables directly from businesses, providing immediate liquidity for accounts that may otherwise remain uncollected.
• Account Review – Each portfolio is carefully reviewed to ensure it meets compliance and quality standards.
• Professional Management – Once purchased, we manage recovery efforts through lawful and respectful communication with consumers, always maintaining transparency and professionalism.
• Flexible Solutions – We structure transactions that meet the specific needs of creditors, whether through one-time portfolio sales or ongoing purchasing relationships.

• We adhere strictly to all federal and California collection laws.
• We provide consumers with all required disclosures, notices, and validation rights.
• We treat all parties with dignity and respect while pursuing recovery on purchased accounts.
• We maintain accurate records and ensure that consumers have clear channels to resolve questions or disputes.

At Capital Recovery Alliance, our goal is to create a win-win solution—helping businesses recover value from distressed receivables while ensuring consumers are treated fairly under the law.