Customers interact with brands through a multitude of channels: telephone, email and chat, social media, and face-to-face in retail, at events, or at their own doorstep.Ensuring that each channel delivers a consistently excellent customer experience builds greater affinity between the customer and brand, and enables the brands to differentiate themselves from their competition.
| States | Authorization documents | |
| Alabama | AL | License Not Required (Certificate No. F/C 923-966) |
| Alaska | AK | Exemption Letter |
| Arizona | AZ | License No. CA-0905181 |
| Arkansas | AR | License No. 3180 |
| California | CA | License Not Required (Certificate No. C2423839) |
| Colorado | CO | License No. 989731 |
| Connecticut | CT | License No. 20008 |
| Delaware | DE | License No. 2002103239 |
| District of Columbia | DC | License No. 70104131 |
| Florida | FL | License No. CCA 0900953 |
| Georgia | GA | License Not Required (Certificate No. 0670957) |
| Guam | GU | License No. 13-200601489-001 |
| Hawaii | HI | Collection Agency Exemption No. 359 |
| Idaho | ID | License No. CCA-6855 |
| Illinois | IL | License No. '017.021057 |
| Indiana | IN | License No. 6652 CA |
| Iowa | IA | License Not Required (Certificate No. W00297854) |
| Kansas | KS | License Not Required (Certificate No. 3290426) |
| Kentucky | KY | License Not Required (Certificate No. 532137.08) |
| Louisiana | LA | Registration No. 36226119 I |
| Maine | ME | License No. DCL5889 |
| Maryland | MD | License No. 4727 |
| Massachusetts | MA | License No. DC0809 |
| Michigan | MI | Exemption Letter |
| Minnesota | MN | License No. CA-20332983 |
| Mississippi | MS | License Not Required (Certificate No. 743137) |
| Missouri | MO | License Not Required (Certificate No. F00506383) |
| Montana | MT | License Not Required (Certificate No. F044419) |
| Nebraska | NE | Exemption Letter |
| New Hampshire | NH | No License Required (Certificate No. 400045) |
| New Jersey | NJ | Registration No. 5884; Bond No. 0418815 |
| New Mexico | NM | License No. '01006 |
| New York State | NY | License Not Required (Certificate [No Number Provided]) |
| New York City | NY | License No. 1288724 |
| New York - City of Buffalo | NY | License No. 524114 |
| North Carolina | NC | License No. 4500 |
| North Dakota | ND | License No. CA101650 |
| Ohio | OH | License Not Required (Certificate No. 1305695) |
| Oklahoma | OK | License Not Required (Certificate No. 2312052289) |
| Oregon | OR | License No. CA48879 |
| Pennsylvania | PA | License Not Required (Certificate No. 3057870) |
| Rhode Island | RI | License No. 2008-0052DC |
| South Carolina | SC | License Not Required (Certificate [No Number Provided]) |
| South Dakota | SD | License Not Required (Certificate No. FB026050) |
| Tennessee | TN | License No. 810 |
| Texas | TX | Bond No. 418807 |
| Utah | UT | License No. 5110678-0131 |
| Vermont | VT | License Not Required (Certificate No. F-26435-0) |
| Virginia | VA | License Not Required (Certificate No. F1822487) |
| Washington | WA | License No. 602188744-001 |
| West Virginia | WV | License No. 1028-5431 |
| Wisconsin | WI | Exemption Letter |
| Wyoming | WY | License No. 466 |
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