Debt buyers: companies this directory verifies but does not rank
By Kai Greenspan, Founding Editor · Last updated: August 5, 2026
companies verified as debt buyers from their own published words, and therefore not ranked here. Each record shows the quote, the page it came from, and the date it was read.
Source: troycapital.com · Last checked: August 5, 2026
Why the distinction matters to you
If a company contacts you about a debt, whether it owns that debt changes three practical things: who has to be able to prove the account is yours and that they hold it, who you are actually negotiating with, and, in Texas, which statute applies. Finance Code Section 392.307, effective September 1, 2019, applies specifically to debt buyers: it prohibits suing or initiating arbitration on a consumer debt once the limitations period has expired, and says a time-barred claim "is not revived by a payment of the consumer debt, an oral or written reaffirmation of the consumer debt, or any other activity on the consumer debt." Your right to demand written validation applies either way.
General legal information, not advice. Whether a particular debt is time-barred depends on the facts of the account. Full context on our Texas debt collection law page.
The records
Every classification below rests on the company's own first-person description of itself, quoted verbatim with the page it appeared on and the date it was read. Nothing here is inferred from a company name or a filing.
Troy Capital LLC
Troy Capital describes itself, on its own homepage, as a national debt buyer, and does not describe collecting on behalf of other companies anywhere on its site.
- “We are a RMA certified national debt buyer.” · homepage, read August 5, 2026
- “We were one of the first debt buyers to obtain the RMA initial certification and one of the first to pass its rigorous third party two year re-certification audit.” · About Us, read August 5, 2026
Holds an ACTIVE bond on the Texas Secretary of State’s debt collector register: file number 20220081, filed June 21, 2022, surety Nationwide Mutual Insurance Company. The bond is not in question. It is precisely why this record exists: reading the register alone would place this company among the ranked agencies.
Accelerated Portfolio, Inc.
Accelerated Portfolio describes itself as a purchaser of distressed receivables, and describes building a network of collection agencies to work the debt it acquires. It is the customer of collection agencies rather than one of them.
- “Accelerated Portfolio, Inc is a privately held company that specializes in the purchase of distressed consumer receivables.” · homepage, read August 5, 2026
- “We strive to build a very diverse Collection Agency network that can accommodate all facets of debt that we acquire through today’s market.” · homepage, read August 5, 2026
Holds an ACTIVE bond on the Texas Secretary of State’s debt collector register: file number 20210092, filed June 1, 2021, surety Hartford Casualty Insurance Company. The bond is not in question. It is precisely why this record exists: reading the register alone would place this company among the ranked agencies.
Companies that do both are listed, not excluded
A company that buys debt and collects for other creditors is doing third-party collection, which is what the rankings measure. It appears in the directory with its purchasing stated plainly on its profile, so readers can weigh it themselves.
- Dyck-O’Neal describes itself as a nationwide purchaser, collector and servicer with a stated buy-and-hold strategy, and also works accounts it does not own
How a company ends up on this page
A company reaches this page only when its own website says, in the first person, that it buys or owns the debt it collects, and says nothing about collecting on behalf of others. The test is whether the business genuinely has two parts. A company that both buys debt and collects for other creditors is doing third-party collection and is listed in the directory; a company bonded only to pursue debt it owns itself is recorded here instead. The quote is read at source and dated. A person makes the call, never an automated process: the same rule that governs our enforcement records applies here, because this is a factual statement about a named company. If a company believes its record here is wrong, our corrections policy sets out how to tell us, and any company named on this site has a right of reply.
The full scope rule, including how debt purchasing is treated on the profiles of listed agencies, is on the methodology page. Placement in this directory is never for sale, and neither is removal from this page.
Common questions about debt buyers
What is the difference between a debt buyer and a collection agency?
A collection agency collects on behalf of the original creditor, which still owns the debt and pays the agency a fee or a share of what is recovered. A debt buyer purchases the debt outright, usually for a fraction of its face value, and then owns it: anything it collects is its own money. Both are debt collectors under the federal Fair Debt Collection Practices Act, and both must follow it. The difference matters to the person being contacted because it changes who owns the account, who can prove that ownership, and, in Texas, which statute applies.
Does it change my rights if the company chasing me bought the debt?
It can. In Texas, Finance Code Section 392.307, effective September 1, 2019, applies specifically to debt buyers and prohibits suing or initiating arbitration on a consumer debt after the limitations period has expired. It also states that a time-barred claim "is not revived by a payment of the consumer debt, an oral or written reaffirmation of the consumer debt, or any other activity on the consumer debt." Your right to demand written validation of the debt applies to any debt collector, buyer or agency alike. This is general legal information, not advice: whether a particular debt is time-barred depends on the facts of the account.
Why are these companies not ranked in the directory?
Because they are a different kind of business from the one this directory measures. Debt Collection Index ranks third-party collection agencies by how many years they have been continuously covered on their state’s public register. A company that buys and owns the debt it collects is not doing third-party collection, so ranking it beside agencies would compare two different things. Exclusion here is a category judgment, not a criticism: buying debt is a lawful, ordinary business.
Are these companies on the state register?
Some are. A debt buyer that collects its own accounts in Texas may still file the surety bond that Finance Code Chapter 392 requires, and appear on the Secretary of State’s register alongside collection agencies. That is exactly why this page exists: reading the register alone would place these companies in the rankings, and reading what they say about themselves shows they belong in a different category.
What if a company both buys debt and collects for others?
It is listed in the directory, with the purchasing stated plainly on its profile, and it does not appear on this page. A company that genuinely does both is doing third-party collection, which is what the rankings measure, and readers are told about the purchasing so they can weigh it themselves.
Related pages
How to choose an agency
What to verify, how fees work, and the questions worth asking.
Texas debt collection law
Chapter 392 quoted from the statutes, including the debt-buyer rule.
Is a debt collector legitimate?
The three public-record checks anyone can run for free.
Methodology
Exactly what is measured, what is excluded, and why.