Life can be unpredictable. We provide the respect, tools and flexibility you need to reclaim your financial independence.
Take the Next Step TodayYou are more than an account number. We treat every individual with the dignity they deserve.
We offer tailored, practical solutions designed around your real life and income schedule—not rigid corporate rules.
Turn non-performing loans into immediate capital. We purchase bad debt portfolios, providing quick liquidity to creditors burdened by delinquent accounts.
Custom arrangements designed around your real life and income schedule—not rigid rules.
Free resources and knowledge to help you make confident decisions and stay in control long-term.
Do you consider yourself a forward thinker?
Can you turn debt into a profit? Yes you can, by partnering with Laurel Wreath Acquisitions. Founded in 2017, Laurel Wreath Acquisitions (LWA) is a Receivables Management company that specializes in helping businesses by relieving them from the burden of delinquent and distressed accounts. By selling charged-off debt, creditors can focus on their primary business. The sale of debt supplies an immediate cash infusion for reinvestment, expansion or to meet corporate goals. LWA purchases all types of consumer and commercial debt from early charge-offs to dormant judgments. If you need an immediate cash influx, we can turn your distressed receivables into liquid capital. We bring certainty during uncertain times.
Are you interested in selling your debt? If you are with a credit union, bank, auto finance company or extend credit to a consumer or business, the LWA team is here to answer your questions. Contact us at (860) 200-8495 for a free, no-obligation consultation on the portfolio of assets you are selling.
We acquire a broad spectrum of non-performing assets, including consumer loans, retail installment contracts, equipment leases, promissory notes and judgments. We provide liquidity across the entire debt lifecycle, from early charge-offs to dormant accounts.
We streamline the portfolio acquisition process. Submit your account data for a rapid evaluation and we will deliver a swift, decisive response. Once approved, we can fund transactions in as little as 24 hours.
We offer highly competitive pricing that accurately reflects the fair market value of your assets. Our primary objective is to build lasting, mutually beneficial partnerships, not just close a single transaction.
Secure immediate capital at closing, allowing your internal teams to refocus on core operations and performing accounts. We help you implement a comprehensive charge-off strategy that hedges against rising defaults and creates predictable cash recoveries.
Do you like to give back to your community?
To empower consumers with fair, flexible resolution strategies that pave the way to financial stability. We deliver compassionate, highly professional and strictly compliant services, fostering agreements that support our communities and guide account holders back to financial independence.
Active listening is the cornerstone of every successful relationship we build. Through thoughtful analysis, respectful communication and step-by-step guidance, we engineer customized solutions for delinquent accounts that empower businesses and consumers to overcome challenges.
We are proud to support our community in a myriad of ways. Below you will see a list of events we have been a part of.
Regional Schools & CCSU | 2022 – 2026
Old Saybrook & Middlesex | 2023 – 2026
2022 – 2026
Laurel Wreath Acquisitions is Proud to support and be a member of the following organizations:
We understand the critical importance of protecting consumer information.
Our organization operates under rigorous procedural frameworks to guarantee ethical collections and uncompromising data security. We continuously train our staff and adapt to regulatory shifts through industry webinars and insights, ensuring complete compliance and absolute partner trust. LWA maintains a robust compliance program adhering to all federal and state regulations, including:
We back this commitment with stringent contract standards, comprehensive insurance requirements and full PCI compliance to protect both our clients and consumers.
To ensure the uncompromising safety and security of all managed data, LWA maintains rigorous protocols, including:
To guarantee enterprise-level security and absolute business continuity for our partners, LWA executes the following:
Real stories from people who took back control of their financial future.
"After a job loss, they actually listened. We sat down, created a realistic plan and I reduced my debt by 65% in 18 months. I finally feel in control again."
"Working with Laurel Wreath has been a game-changer for our balance sheet. They provided a fair valuation for our distressed portfolio and executed the purchase flawlessly, injecting immediate liquidity back into our operations."
"Professional, kind and incredibly effective. Unexpected medical bills were drowning us, but they helped preserve our family's stability without bankruptcy."
Knowledge is power. Laurel Wreath Acquisitions is committed to consumer financial literacy. Access these trusted national resources to make informed decisions with confidence.
A resource for consumers with questions about paying debts offered by ACA International. This provides consumers an opportunity to ask questions and have them answered by professionals to avoid potential problems and properly manage finances.
Provided by the federal Financial Literacy & Education Commission, offering excellent information for consumers about the basics of money management: Earn, Save & Invest, Protect, Spend and Borrow.
A free resource provided by Receivables Management Association International giving financial tools and information to educate consumers. Research topics like budgeting, credit cards and loans.
The only authorized website for free credit reports guaranteed by Federal law from the major national credit reporting bureaus.
To ensure the highest level of security and regulatory compliance, all account inquiries and communication authorizations are handled through our encrypted DocuSeal platform.
Your data is protected with 256-bit encryption. This form will securely collect your information and legally bind your communication preferences.
Laurel Wreath Acquisitions, LLC
P.O. Box 566
Old Saybrook, CT 06475
(860) 200-8495
Mon-Fri, 8:00 AM - 5:00 PM ET
NMLS ID: 1701636
Ready to take charge of your financial future? We offer multiple convenient ways to securely resolve your account.
The fastest and most convenient way to resolve your account. Make a payment directly from your checking account or establish a customized payment arrangement today.
Set Up a Payment PlanPrefer to speak with an associate? Call us during standard business hours (M-F, 8am-5pm ET).
(860) 200-8495
Make your Personal Check, Money Order or Cashier's Check payable to Laurel Wreath Acquisitions, LLC.
P.O. Box 566
Old Saybrook, CT 06475
Your File Number can be found at the bottom of every document you have received from us. Be sure to include this number in the memo of any mailed payments. Still not sure? Call us for assistance.
Your 9-digit routing number is typically located on the bottom-left corner of your personal checks. If you do not have a checkbook handy, we suggest calling your bank directly for safe assistance.