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You got a letter. Here is what it means.
Ordered by what matters first, not by what a legal document would put first. Read as far as you need to and stop.
First, breathe
A collection notice is not a lawsuit, a court order, or a warrant. It is a company telling you it now handles an account you have not paid, and asking you to get in touch about it. That is all. The quickest way to put it behind you is to pay it or call us, and both are easy.
What the notice should tell you
Look for four things on the letter. They are how you match it against your own records, and they are what we will ask for when you call.
- Who originally held the debt. The store, lender, or provider you dealt with first.
- The amount. What is owed now, which may differ from what you remember.
- Your file number. The reference we use to find your account, online and on the phone.
- How to reach us. The phone number and the address, so you can pay, ask a question, or set something up.
Then pick a direction.
Look the account up
Enter the file number from your notice on the payment page and you will see the current balance and the original creditor. Nothing is charged at that step. It is just the quickest way to see where things stand.
Pay it, in full or in part
If you can clear it, do it online by card or bank account and you will have a confirmation number in a couple of minutes. If you can pay some of it now, you can do that too, and the rest stays outstanding.
Or call and set up a plan
If clearing it today is not realistic, the useful question is what you can pay consistently without wrecking the rest of your month. Tell us the real number and we will work with it. Whatever we agree goes in writing before the first payment.
Keep the paperwork
Confirmations, receipts, letters. Keep all of it until well after the account closes. It is the cheapest insurance there is.
If you want to check the letter is really from us
Reasonable instinct. Collection scams are real and they are good at sounding official. Do not give card or bank details to anyone who called you unexpectedly. Instead, look up the company yourself and call the number you found, not the one you were given.
Ours is (833) 432-5024, and it is on every page of this site. If a letter does not say Crown Resolution Group on it, we did not send it. Our rights page explains how to verify us and which similarly named companies we get confused with.
Talk to a person.
Questions about an account, a balance, or a payment plan all get answered by someone here. No phone trees built to lose you.
(833) 432-5024Mon–Thu 9am–6pm, Fri 9am–4pm