For Consumers

Received a Letter From Us?

If you've received a letter or communication from Troy Capital regarding an account, it means your account has been purchased by Troy Capital from the original creditor or a prior holder. We understand this can be confusing, and we're committed to working with you respectfully and transparently.

Your Rights

As a consumer, you have rights under federal and state law. Troy Capital fully respects and upholds these rights, including:

• Right to Validation: You may request written verification of the debt within 30 days of receiving initial communication. Upon receiving your request, we will provide documentation supporting the amount owed.
• Right to Dispute: If you believe the debt is not yours or the amount is incorrect, you have the right to dispute it. We will investigate all disputes promptly and thoroughly.
• Right to Privacy: Troy Capital does not share your personal information except as necessary to service your account or as required by law. See our Privacy Policy for details.
• Right to Fair Treatment: You are entitled to be treated with dignity and respect in all communications. Troy Capital complies with the Fair Debt Collection Practices Act (FDCPA) and all applicable state laws.

Payment Options

Troy Capital offers several options to help you resolve your account:

• Payment in Full: Pay the full balance to resolve your account completely.
• Payment Plans: In many cases, we can arrange a payment plan that fits your budget.
• Settlement: Depending on your circumstances, a settlement for less than the full balance may be available.

To discuss payment options, please contact us at the number below or use our contact form.

How to Reach Us

Disputes & Complaints

If you wish to dispute a debt or file a complaint, you may:

• Send a written dispute to our mailing address above
• Contact our Chief Compliance Officer via the compliance inquiry form
• File a complaint with the Consumer Financial Protection Bureau (CFPB)
• Contact your state's Attorney General or consumer protection office