Since 1985, KWA has been representing creditors for the limited purpose of recovering consumer and commercial debt and protecting the rights of its clients. Our staff includes experienced attorneys, debt collectors and paralegals all of whom work hard to protect client rights and maximize recovery of our clients’ funds. We have established a reputation of trust and integrity amongst our clients, colleagues, competitors, and professional associations within our industry. Our culture is well rooted in teaching and cross training our employees, educating and updating our clients, treating consumers with respect and creating an atmosphere of compliance and operational transparency.

Our clients can rest assured knowing that all available efforts will be employed in order to recover their funds. Accounts placed with our office are promptly entered into our case management system. Balances are verified, bankruptcy and military checks are completed and written demand is made. Attempts are first made to collect the claim voluntarily by mail and telephone. At the same time skip tracing efforts are made to obtain assets and location information. We take the time to explain the debt to the consumer, professionally address all consumer disputes and reconcile their ability to repay with our client’s needs and instructions. Every effort is made to obtain voluntary payment promptly and professionally while maintaining compliance with industry regulations. Clients can view their accounts through our web portal where they can review our system notes, correspondence and legal pleadings used during the entire collection process.

When voluntary payment cannot be arranged we will bring legal action to collect the balance due. All law suits are properly pled and documented, and are reviewed by our attorneys. We spend court filing fees wisely by knowing we will obtain good service and by understating the consumers’ ability to repay the debt either now or in the future. We will still attempt to work with consumers during the pendency of the suit and after judgment is obtained. Once judgment is obtained, we use a number of judgment execution remedies such as filing judgment liens, wage garnishments, bank attachments, levies, debtor examinations and other forms of legal execution.

KWA also utilizes state of the art skip tracing and collection tools and works with industry leading vendors to obtain location and asset information. Additionally, KWA’s IT department is on the cutting edge of integrating client data from programs such as YGC and Fair Isaac into its proprietary collection software. KWA also maintains strict physical and technical data security policies and procedures to protect personal privacy information and has a comprehensive tested disaster recovery plan.

KWA serves a diverse group of clients. Once hired, our clients stay with us because of our dedication to service, the results we obtain and because we continue to adapt to an evolving regulatory landscape to both improve our collection services and provide our clients with the protections they seek from their counsel.

Industries Represented

  • Automobile Loans and Leases
  • State & Municipal Income Tax Debt
  • Credit Cards
  • Student Loans (tuition & federal guaranteed loans)
  • Equipment Rentals, Leases & Repairs
  • Retail Consumer Loans & Accounts
  • Commercial Loans & Accounts


  • Skip-tracing/Asset Searches
  • Written Demand for Payment
  • Telephonic Demand for Payment by Experienced Debt Collectors
  • Collection Litigation
  • Post Judgment Executions
  • Replevin
  • Mechanics’ Liens
  • Counterclaim Defense

Our Fees
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Our Fees

Our fees are competitive and conform to industry standards. In most instances, the following fee arrangements are available:

1. Collection matters are handled on a contingency fee basis, but an hourly option is available and sometimes requested by clients who hold large balance claims. At a clients’ request, fees for collection matters can be billed on a per item flat fee basis for letters, pleadings, motions, and executions.

2. Uncontested foreclosures and related bankruptcy and eviction matters are most often billed on a flat fee basis according to the Fannie Mae guidelines. Contested matters, and counterclaims, generally require additional flat fee or hourly billing, subject to client approval;

3. Uncontested replevin cases are also handled on a flat fee basis. If the right to recover possession is opposed, the matter is converted to an hourly fee basis, upon client approval;

4. Mechanic’s lien matters are treated the same as replevin cases, unless they involve multiple properties, or otherwise relate to unusual subject matter;

5. Our firm is also pioneering the availability and use of alternative fee arrangements (“AFA’s”) for legal services that have traditionally been billed hourly. The availability of AFA’s is a product of our firm’s ambition to deliver legal services in an efficient and cost-effective manner, and help clients more effectively forecast and contain costs. AFA’s are available for an ever expanding range of matters, including litigation defense, discovery disputes, and appellate practice.