| Doc. Number | Article Title | Effective Date | Version |
| FHC-XX | Direct Pay Reference Number Cheat Sheet | December 18, 2024 | 1.4 |
Please share this list with the team responsible for scheduling settlements in Forth. This cheat sheet is a guide to help your team determine what is "direct pay" eligible. If the firm is listed, please set the payment method as direct pay.
Any creditor or collection firm not on this list should be contacted and asked how they wish to be paid.
For Reference Number Format - please adhere to the format. Extra characters such as original account #s, Names, or other information are unacceptable to the creditors. They have requested to use the exact formatting referenced here to avoid processing delays. In some cases, these data fields are automatically uploaded into their systems, and any exceptions will not be credited until a processor manually reviews the errant data entry.
| Creditor | Settlement Letter Field | Reference # Format | Example: | Comment | |
| Admin Recovery | Reference Number | 6 digit # | 761234 | ||
| Arcon Credit/Absolute Resolution Corp | Arcon Credit Solutions Reference# | 5-6 digit# | 85964 | ||
| Arvest Bank | Account Number | 8 digit # | 12345678 | ||
| Avante USA | Avante USA Account Number | 8 digit # | 30134122 | ||
| Blitt & Gaines | File number | 8 digit # | 21085425 | ||
| Cash Call | Loan No. | 8 digit # | 28106480 | ||
| Cavalry Portfolio Services (CAV) | Cavalry Account No: | 8 digit # | 21384200 | ||
| Central Portfolio Control | CPC Account# | Alpha + digits | ECP11523 | ||
| Credit Control | Our Account # | 7 or 8 digit # | 80163921 or 729088 | ||
| Couch Lambert | File # | 8 | C1234567 | ||
| D&A | D&A # | 7 digit # | 5196233 | ||
| Debt Settlement Infobank (DSI) | Reference# | 6 digit# | DO NOT USE! | NO LONGER ACCEPTING SETTLEMENT PAYMENTS - DO NOT USE! AVANTE USA WILL PROCESS | |
| Diversified Recovery Bureau LLC | DRB# | 9 digit# | 1234-56789 | ||
| Enhanced Recovery Company (ERC) | Reference# | 9 digit# | 227365123 | ||
| Financial Recovery Services (FRS) | FRS File # | 3 alpha letters 3 numbers | RMG500 | ||
| Firstsource Advantage | Our Account# | 8 digit# | 12345678 |
BOFA reference # start with "5" |
|
| Freedom/Consolidation Plus | Account Number | 2 alpha letters 7 numbers | CP0369872 | ||
| Full Circle | Reference # | Alpha numeric string | 00940PM121 | ||
| Glass Mountain Capital (GMC) | LLC Account # | 8 digit # | 14677260 | ||
| Glasser & Glasser, P.L.C. | File # | 8 digit # | 21224614 | ||
| Gurstel Law Firm | File # | 7 digit # | 1421329 | ||
| Hood & Stacy P.A. - DO NOT USE AS DP | H&S File # | 2 alpha letters - 5 digits | DC-01156DO | DO NOT USE! HOOD & STACY CEASING DIRECT PAY. SET UP AS 2ND DAY CHECK. | |
| Hunt & Henriques | Reference # | 7 digit # | 1412528 | ||
| Icon/ CMI/ Affiliated Credit | Creditor ID | 6 digit # | 336768 | ||
| InDebted | Reference # | 7 digit # | 5463378 | ||
| Jefferson Capital Systems (JCS) | JCS Reference# | 10 digit # | 3384567891 | Reference #'s using 5 digit file #'s must be set up as check by phone or mailed checks |
|
| Loan me | Loan No. | Numbers only | 1150687 | ||
| Midland Credit Mgmt (MCM) | MCM Account # | 8-10 digits begins with 8 or 3 | 8573691269 OR 300000123 | See the MCM Entities document for more information. Click Here! | |
| Moore Law Group | Account # | 9 digit number | 250712345 | Note: First 4 digits signifies which trust account to select. There are 7 trust accounts for Moore. Please see set up article for more info. | |
| NCB | NCB File # | Numbers only | 1907152834 | ||
| National Enterprise (NES) | NES Account | 8 digit # | 24293309 | ||
| Northstar Location | Northstar Reference # | Numbers only | 210600000851362 | ||
| Novea Portfolio Management | Account # | 7 digit number | 9699839 | ||
| One Main Financial | Account # | 8 digit number | 19655136 | ||
| Patenaude & Felix (San Diego Office) | Our File # | 7 or 8 digit # | 16-11516 | Single hyphen in sequence. Refer to address on settlement letter. | |
|
Patenaude & Felix (Canoga Office) |
Our File # |
8 digit# end with -0 |
18-12345-0 |
2 hypens in reference # sequence. Ends in -0 after second hyphen. Settlement letter states Canoga Office address. |
|
| Philips & Cohen (PCA) | PCA Reference # | 8 digits starts with "2" | 22595203 | ||
| Portfolio Recovery Assoc. (PRA) | Account # | 15/16 digit # | 6045781086923082 | ||
| Real Time Resolutions | RTR File # | Numbers only | 10003953507 | ||
| Resurgent/Freshview | Account ID | Numbers only | 638217718 | ||
| Respect Gratitude Service (RGS) Financial | RGS Account# | Numbers only |
|
Note: Not Radius/Northland! | |
| Rubin & Rothman | File # | Numbers only | 1947739 | ||
| Second Round | Reference # | 7 digit # | 3034153 | ||
| Spire Recovery Solutions | Reference# | 6 or 7 digit# | 2341891 | ||
| Structured Settlement | ID# | 7 digit # | 3618543 | ||
| Velocity | Our File # | 2 alpha letters followed by numbers | JV031055 | ||
| Zwicker & Associates | File ID | 7-8 digits | 1234567 |
Article Version History:
| Version | Effective Date | Description |
| Basic | 07/25/2019 | Initial Release |
| 1.0 | 12/16/2022 | Made Several Updates to the listings |
| 1.1 | 01/09/2023 | Added header and footer version control |
| 1.2 | 01/19/2023 | Removed DPG references due to rebranding |
| 1.3 | 12/01/2023 | Removed an out-of-date hyperlink. |
| 1.4 | 12/18/2024 | Minor formatting and grammatical updates were made. Removed out-of-date comments from the Comment column. |