About us

We’ve been in your shoes, so we understand that it’s stressful enough paying off accounts that got away from you.

DEBT HAPPENS. We can help you manage it.

Who we are

Founded in 2017, Laurel Wreath Acquisitions (LWA) is a Receivables Management company that specializes in helping businesses by relieving them from their headaches of delinquent and distressed accounts. By selling charged-off debt, creditors can focus on their primary business. The sale of debt supplies immediate cash infusion for reinvestment, expansion or to meet corporate goals. LWA purchases all types of consumer debt from early charge-off to dormant judgments. If you need an immediate cash influx, we can turn your distressed receivables into liquid capital by selling your debt. We bring certainty during uncertain times.

Our Mission

To provide fair and equitable payment solutions for consumers and helping them to regain financial stability. We are devoted to delivering our services with respect professionalism and complete compliance.

Laurel Wreath Acquisitions believes in our team, our consumers and our mission. We strive to find mutually beneficial agreements with our account holders and offer payment options that lead them to their financial independence.

Our Approach

Laurel Wreath Acquisitions believes that listening is the key to success whether it be with a consumer or building a business relationship. By listening and analyzing we are able to help assist businesses by creating solutions that they didn't know were possible. Our step-by-step guidance helps them to understand the varied options for delinquent accounts, removing obstacles and helping them take a step in the right direction.

Investing in Our Community

We are proud to support our local community in a myriad of ways. We support and volunteer in our local food banks, Boy Scouts and Churches just to name a few.

Link to RMA's page on Consumer Education: https://rmaintl.org/consumers

Compliance & Accountability

We understand the importance of protecting consumer information.

Security Protocols

Ensuring the safety and security of all the data we manage, LWA has security protocols, including but not limited to:

    • Supporting secure FTP transfer for all data transmission or the equivalent

    • Monitoring and recording all LWA entrances and exits are monitored and recorded 24/7 via a closed-circuit camera system

    • Requiring keypad access to all facilities

    • Establishing a strict on-site visitor protocol

    • Maintaining strict confidentiality policies and procedures and regular training

    • Establishing firewalls between each client’s data

Best Practices

To ensure the highest level of security and business continuity for our clients, LWA follows these important best practices:

    • Housing our data in an off-site data center

    • Maintaining a secondary, redundant data center for disaster recovery

    • Incremental data back-ups throughout the day

    • Full data back-ups daily

    • Housing backup storage off-site

Policies & Procedures

Our team has developed detailed policies and procedures for our collection efforts and protecting our clients' and consumers' data. On a regular basis, we review our policies and procedures with our team to ensure compliance with industry standards.

We are always monitoring changes by participating in webinars, conference educational sessions and listening to what the regulators have to say.

Regulatory Compliance

Laurel Wreath Acquisitions takes a conservative approach to regulatory compliance. Our compliance program addresses our requirements as applicable to federal and state regulations including:

  • Fair Debt Collection Practices Act (FDCPA)

  • Fair Credit Reporting Act (FCRA)

  • Telephone Consumer Protection Act (TCPA)

  • CFPB

  • Following strict contract standards

  • Exercising detailed insurance requirements

  • Maintaining PCI compliance