Address: 41870 Kalmia St. #120, Murrieta, CA 92562 • Phone: 951-695-3372 • Toll Free: 800-695-1295      Today's Date: November 24, 2017 • Current Time: 10:06:59 AM

Consumer Division

More than 3 decades of account experience from a variety of business organizations and banks provides the key to collecting all types of consumer accounts.

American Capital optimizes recoveries on volume consumer assignments by utilizing state-of-the-art dialing strategies, account scoring, and web payments for debtors.

Clients can also conduct random audits on their accounts in their own office through our remote access program.

Consumer Debt Recovery Partners Include:

  • Banks
  • Finance Companies
  • Credit Unions
  • Retail Stores
  • Property Management Companies
  • Cellular Communications Compaines
  • Municipalities
  • Casinos


Locating debtors is crucial on consumer debt and we utilize four integrated data bases in our location efforts.

Our operating software searches the following subjects:

Public Filing and Other Information:

  • Property Tax
  • Uniform Commercial Code Filings
  • Secure Loans/Debts
  • Fictitious Business (DBA's)
  • California Coporations / Limited Partnerships
  • Board of Equalization
  • Department of Consumer Affairs
  • Contractor's License
  • California Civil Index Filings

Address and Telephone Information Providing:

  • Exact Address Matches and Nearbys
  • Exact Name Matches
  • Similar Names with Zip Code Areas
  • Phone Number Matches (Both Home and Business)

We Also Utilize:

  • Electronic address correction/verification via the National Change of Address (NCOA) database
  • Electronic acquiring of telephone numbers via Accurint
  • Electronic Experian information requests, including basic trace information and full Credit Reports
  • Internet search tools for acquiring addresses, telephone and nearbys
  • Phone, address and telephones matches
  • National tax record searches
  • Manual credit reference contacts
  • All asset locating for execution of Judgments

American Capital Has Successful Consumer Collection Programs For:

  • Bank Credit Cards
  • Store Credit Cards
  • Consumer Loans
  • Auto Loans & Leases
  • Operational Bank Losses
  • Cash Reserve Accounts
  • Deficiency Balances
  • NSF Check Recovery

Our Consumer Debt Recovery Partners Benefit From:

  • 30 Years of Consumer Related Experience
  • Bilingual Collectors
  • Credit Reporting
  • Integrated Credit Reporting Services
  • Professional Skip Tracing
  • Advanced Technology for Optimum Results
  • Free Client Legal Consulting on Collection Matters
  • Online Client Reveiw of Accounts
  • Online/Internet Debtor Payments 24/7

Our Consumer Debt Recovery Partners Benefit From:

  • 30 Years of Consumer Related Experience
  • Bilingual Collectors
  • Credit Reporting
  • Integrated Credit Reporting Services
  • Professional Skip Tracing
  • Advanced Technology for Optimum Results
  • Free Client Legal Consulting on Collection Matters
  • Online Client Reveiw of Accounts
  • Online/Internet Debtor Payments 24/7