i was briefly employed by a XXXX company that is based out of XXXX and specializes in the third party consumer collection of subrogation debts across the country. Not only did it become obvious they were not properly licensed in the states they do business but their collection tactics were some of the most abusive and misleading I have EVER witnessed. I have been in the collection business for over twenty years. Disclosure of debts to third parties including texts and written emails, threats of drivers license suspension even when they know the debt does not qualify for that kind of action and open threats of lawsuit and wage garnishment. Just ask to see the collection records as it is all there, the texts, threats, emails, intimidation everything. there is no mini miranda or FDCP used even though they are a third party collecting debts against private individuals. When i complained they changed and reduced my hourly wage. I believe they feel that because some of the debtors were driving without insurance that nobody will care if they are misleading and abusive. Companies like this are the reason that many decent agencies are suffering from lawsuits.