Compliance, in plain sight.
Every license we hold, every protection you have, and how to act on either.
Privacy policy
Information we collect
In compliance with federal regulations, Michael Andrews & Associates LLC is providing you with this statement of our privacy policy.
We obtain the following kinds of information, called "nonpublic personal information," about you from the following sources:
- Information received from you on applications, forms, or other correspondence, such as your name, address, social security number and income;
- Information about your transactions with us or others, such as your account balance and payment history; and
- Information we receive from consumer reporting agencies, motor vehicle dealers, credit references, employers, insurance companies and insurance agencies, such as your credit history, credit score, and information that we obtain to verify employment or insurance coverage.
How we protect it
We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted or required by law.
We restrict access to nonpublic personal information about you to our employees and third parties who need to know that information in order to service your account.
Additionally, we take other steps to safeguard your nonpublic personal information in a manner consistent with industry standards for similar sized companies. We will review our safeguards from time to time, and strive to maintain them in a manner consistent with federal regulations, if any, that may be in effect from time to time.
Federal regulations
Fair Debt Collection Practices Act (FDCPA)
MAA fully complies with the FDCPA in every jurisdiction where we operate. The FDCPA prohibits abusive, deceptive, and unfair debt collection practices and gives consumers specific rights when dealing with debt collectors.
Industry standards
Receivables Management Association (RMA)
MAA is a certified member of RMA International, the leading trade association for the receivables management industry. We adhere to their strict certification standards and code of ethics.
Consumer Financial Protection Bureau (CFPB)
We monitor and implement CFPB guidance and regulations as they pertain to debt collection practices, ensuring our procedures align with current regulatory expectations.
State licenses
Multi-state licensing
MAA maintains all required state licenses and registrations to operate as a debt collection agency. We comply with state-specific requirements for bonding, registration, and operational practices.
Nevada
Nevada Collection Agency License: CAD 11839. Manager: Kimberlee Basha (CM10288, NMLS 943372). NMLS Company ID: 943168.
New York City
Michael Andrews & Associates LLC does not provide language access services. A translation and description of commonly-used debt-collection terms in multiple languages is available on the Department’s website at nyc.gov/dca.
Background checks & training
All personnel undergo thorough background checks and ongoing training on compliance requirements, ethical practices, and consumer protection laws.
Questions about our
compliance practices?
Our compliance team oversees licensing, audits, and consumer protections. Inquiries are reviewed and responded to promptly.