What 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 … Continue reading

What 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 … Continue reading

“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 … Continue reading

Southern Staff Gives BIG in 2017!

Year after year our people continue to prove one of our Core Values; “Be a Great Neighbor”!  2017 was no exception as Southern employees and … Continue reading

Oregon HB2398 Requires All Health Care Providers to “Scrub” For OHP Prior to Collections

A new law requires all Oregon health care providers to hold any debt for at least 90 days before assigning to a debt collector if … Continue reading

CRA’s Implement Significant Reporting Changes September 2017

Equifax, Trans Union, and Experian, the three largest consumer credit reporting agencies (CRA’s) entered into an agreement with multiple states attorneys general and the federal … Continue reading

Southern Participates in the 2017 Project Community Connect with the United Way

Since 2009 faith groups, government agencies, care providers, and private businesses come together to help our neighbors Southern participated in the 2017 Project Community Connect … Continue reading

Welcome to the Top 3%!

Perhaps the most-oft heard word in the credit and collection industry in the past five years is “compliance”.  ACA International, the national trade association of collectors, has … Continue reading