Direct Pay Creditor Directory – Forth

Doc. Number	Article Title	Effective Date	Version
FHC-DPC-LST	Direct Pay Creditor Directory	November 10, 2026	3.4

This list contains the latest updates of Direct Pay creditor conversions.

For all direct pay creditor settlements showing a red triangle 🔺 below, please inform your team NOT TO CALL IN payments as they can cause duplicate payments with this creditor.

In the "Common or Multi Payee" column below, "Common" indicates only one payee at one location is involved in the setup. "Multi-Payee" indicates multiple offices and/or accounts associated with the Direct Pay setup.

Click on the hyperlinks in the creditor title column below to navigate to the creditor conversion help article.

Direct Pay Creditor Title	Creditor ID	No Pay Calls	Comments	Common or Multi Payee
Accelerated Portfolio, Inc.	2124			C
Achieve Loans	2065			C
Admin Recovery	925			C
Andrew & Cox, P.C. dba Bleecker Brodey & Andrews	1771			C
Arcon Credit Solutions/ Absolute Resolution Corp	1612			C
ARS National Services	403				M
Arvest Bank	2025		MUST be a Premier Solution Loans Acct	C
Asset Recovery Bureau LLC	2143			C
Avante USA	484		Accepts Continental Finance Accounts - Use Avante Payee	C
Blitt & Gaines	355			C
Bounce AI Inc	2108			C
Cavalry Portfolio Services	439			C
Cawley & Bergmann	2101			C
Central Portfolio Control	805			C
Couch Lambert (was Couch Conville Blitt)	1171			C
Credit9	2158			C
Credit Control	448	🔺		C
Credit Corp Solutions	910			C
D&A Services	1418			C
DRB LLC - was Diversified Recovery Bureau	2075			C
Explore Credit	2116			C
Financial Recovery Services Inc. (FRS)	358			C
First Premier Bank	298			C
Firstsource Advantage	166		BOFA reference # starts with "5"	C
Full Circle Financial Services	1498		Does not accept OneMain	C
Glasser & Glasser, P.L.C.	370			C
Guglielmo & Associates PLLC	2142	🔺		C
Gurstel Law Firm	193	🔺	Does not accept CITI		M
Hunt & Henriques	277			C
Icon/Affiliated Credit Services/CMI Group	676/178			C
InDebted	2068			C
Javitch Block LLC	220			C
Jefferson Capital Systems	1147		Reference #'s using 5-digit file #'s must be set as check by phone or mailed check.	C
Leafy Financial	2049			C
Mercury Financial	2120			C
Messerli Kramer PA	2147			C
Midland Credit Management (MCM)	58				M
Midwest Fidelity Services	2112			C
Mission Lane	2114			C
Moore Law Group	334			C
Mullooly, Jeffrey, Rooney, and Flynn LLP	538/2133	🔺		C
National Enterprise Systems	163	🔺		C
NCB Management	862	🔺		C
New Credit America	2111			C
Newrez DBA Shellpoint Mortgage	2132			C
Northstar Location Services	817			C
Novea Portfolio Management	2062			C
One Main Financial/ Springleaf	238	🔺	Only newly entered settlements	C
Pappas Hayden Westberg & Jackson PC	2137			C
Patenaude & Felix (San Diego and Canoga Park Offices)	106/2043		This Creditor Does Not Accept Target Pre-Legal and Pre-Charge Off Accounts via Direct Pay. Must be ACH/CBP - Please call Creditor” San Diego: One hyphen in sequence. (See address on settlement letter). Canoga Park: Two hyphens in reference # sequence. Ends in -0 after 2nd hyphen. The settlement letter states the Canoga Office address.	C
Phillips & Cohen	115	🔺		C
Portfolio Recovery Associates	52	🔺		C
Reach Financial	2119			C
Real Time Resolutions (RTR)	391			C
Regional Management DBA Regional Finance	1323	🔺		C
Respect, Gratitude, Service or RGS Financial now Williams & Fudge	1576		Note: Not Radius/Northland!	C
Resurgent Capital Services	871			C
Rubin & Rothman LLC	895			C
Scott & Associates, PC	1753			C
Second Round	43			C
Sentry Credit Inc.	715			C
SET Financial	2095			C
Solvent Plus LLC	2118			C
Spire Recovery Solutions	2072			C
Spring Oaks Capital LLC	2106			C
Starmark Financial LLC	2040			C
Stenger & Stenger, P.C.	763			C
Stillman Law Office	1060		This Creditor No Longer Accepts payments for CapOne/Discover/Cona Accounts.	C
Structured Settlement	2046			C
Top Line Collectors	523			C
TrueAccord	2104			C
Triverity	2144	🔺		C
United Collection Bureau	34	🔺		C
Velocity Investments LLC	1582				M
VIVA Finance	2110			C
Wells Fargo	175			C
World Acceptance Corporation	2135	🔺		C
Zwicker & Associates	61			C

IMPORTANT: Forth adds to this list frequently! Check your email for announcements or return to this page for the latest updates. If there is a firm you want added to this list, contact us and let us know!

Article Version History

Version	Effective Date	Description
Basic	07/15/2022	Initial Release
1.0	12/21/2022	Major updates to the listings
1.1	01/09/2023	Updated language for Forth Rebranding; Added header and version control footer.
1.2	01/19/2023	Removed hyperlink for Debt Settlement Infobank
1.3	06/26/2023	Added one listing;
1.4	09/28/2023	Updated broken hyperlink to Diversified Recovery Bureau LLC and Scott & Associates and minor formatting updates.
1.5	12/01/2023	Removed broken hyperlink to Hood & Stacy, P.A.
1.6	09/03/2024	Added last three listings (Items 53-55)
1.7	12/18/2024	Added Glasser & Glasser; cleaned up formatting.
1.8	01/07/2025	Formatting updates only; no subject matter updates.
1.9	01/09/2025	Added Midwest Fidelity Services LLC
2.0	04/02/2025	Added Stenger & Stenger, P.C.
2.1	04/16/2025	Added Wells Fargo
2.2	04/28/2025	Added Explore Credit
2.3	06/03/2025	Added Solvent Plus LLC
2.4	06/11/2025	Added Reach Financial
2.5	08/13/2025	Added Mercury Financial
2.6	08/26/2025	Changed Full Circle from Single Payee to Multi
2.7	10/09/2025	Added Accelerated Portfolio Inc.
2.8	11/11/2025	Updated broken hyperlink
2.9	11/26/2025	Added Achieve Personal Loans
2.9.1	12/10/2025	Removed hyperlink to deprecated MCM Entities article.
2.9.2	12/31/2025	Updated status of Moore Law Firm to Common (Single) Payee
2.9.3	02/06/2026	Added Newrez dba Shellpoint Mortgage
2.9.4	03/05/2026	Added World Acceptance Corporation
2.9.5	03/12/2026	Made minor formatting corrections.
2.9.6	03/19/2026	Updated name change and renumbered the list accordingly.
2.9.7	03/20/2026	Added Pappas, et al.
2.9.8	03/30/2026	Updated name for Diversified Recovery Bureau to DRB
2.9.9	04/03/2026	Added Mullooley, et. al. and Asset Recovery Bureau
3.0	06/02/2026	Removed hyperlink to deprecated Direct Pay Creditor.
3.1	06/17/2026	Added Mission Lane
3.2	07/22/2026	Transferred Velocity Investments to Multi-Payee.
3.3	08/28/2026	Added Creditor ID to the listing and made formatting changes to make the page easier to read. Changed Full Circle back to Single-Payee.
3.3.1	10/07/2026	Added extra language to Patenaude & Felix notes.
3.3.2	10/12/2026	Added Regional Management DBA Regional Finance
3.3.3	10/16/2026	Added Credit9
3.3.4	10/23/2026	Activated Regional Management DBA Regional Finance by adding hyperlink to the description doc.
3.3.5	10/27/2026	Removed four listings that are now out of business.
3.3.6	10/30/2026	Minor formatting updates.
3.4	11/10/2026	Updated the title to improve searchability.

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