---
title: AWA FAQ Page
description: FAQ page for Adler Wallach & Associates, a California-based, contingency-based debt collection agency licensed in all 50 states
---
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# FAQs | Adler Wallach & Associates
You have questions, and we have answers!
Do You Have Questions?
## We Have Answers!
Adler Wallach & Associates (AWA) is an established, US-based, debt recovery agency licensed and registered in all 50 states with leadership active in [ACA International](http://www.acainternational.org), the trade association for the ARM Industry.
As a legitimate service provider for hundreds of businesses looking to recover their delinquent accounts, AWA works hard to provide evidence to wary consumers that the agency has the authority to act on behalf of the merchant or institution represented.
It is natural to have questions and in an effort to get you some commonly asked questions about our processes, policies, security, or even legitimacy - we have prepared the following FAQs for your benefit.
Thank you for your interest and if you have questions that are not addressed by this list, we are happy to address them through email, chat, SMS, or a good ol' fashioned phone call!
The good stuff
## FAQ
Frequently Asked Questions to give you confidence in the validity of Adler Wallach & Associates
### 1. Is Adler Wallach & Associates (AWA) a legitimate company?
Yes. AWA is a licensed, nationally recognized debt collection agency founded in 1993. We’ve been helping clients and consumers resolve debts ethically for over 30 years, with headquarters in Orange, California and additional offices in Dickson, Tennessee. Our California agency license is [10861-99](https://dfpi.ca.gov/search-result-detail/?id=BDA81049-B54E-EC11-8142-0050569B0F40).
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### 2. How can I verify that a communication I received from AWA is authentic?
You can:
- Call us directly at **(866) 260-3631**
- Visit our website at [www.adlerwallach.com](https://www.adlerwallach.com?hsLang=en)
- Log into our secure consumer portal at [www.payawa.com](https://www.payawa.com) to review your account.
- Check our [Google Reviews](https://www.google.com/search?q=adler+wallach+%26+associates+inc&rlz=1C1FKPE_enUS1138US1141&oq=ADLER+WAL&gs_lcrp=EgZjaHJvbWUqCggAEAAY4wIYgAQyCggAEAAY4wIYgAQyEAgBEC4YrwEYxwEYgAQYjgUyBggCEEUYQDIGCAMQRRg5MgcIBBAAGIAEMgcIBRAAGIAEMhYIBhAuGK8BGMcBGIAEGJgFGJkFGJ4FMgYIBxBFGDzSAQgxNzc3ajBqNKgCALACAQ&sourceid=chrome&ie=UTF-8#).
- Check out our CFPI (California Dept of Financial Protection & Innovation) [PROFILE](https://dfpi.ca.gov/search-result-detail/?id=BDA81049-B54E-EC11-8142-0050569B0F40).
- Check us out at the [Consumer NMLS Lookup.](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/988275)
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### 3. What is AWA’s approach to debt collection?
Our motto is **“Compassionate but Firm.”** We focus on ethical, consumer-centric strategies to resolve debts while maintaining respect and professionalism. We avoid aggressive tactics and prioritize helping consumers find realistic payment solutions.
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### 4. Does AWA comply with debt collection laws?
Yes. We strictly follow the **Fair Debt Collection Practices Act (FDCPA)**, **Fair Credit Reporting Act (FCRA)**, **Telephone Consumer Protection Act (TCPA)**, and other federal and state regulations.
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### 5. How does AWA protect my personal information?
AWA uses **government-grade security**, modern encryption, and industry-leading data protection standards to keep your information safe. We also have all required certificates of compliance.
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### 6. Why is AWA contacting me?
AWA is contacting you because we’ve been hired by a company or government agency to collect on an unpaid debt. Our goal is to help you resolve the account in a way that works for you and our client.
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### 7. How can I pay my account?
You can pay securely through our consumer portal at [www.payawa.com](https://www.payawa.com) or by contacting our live agents at **(866) 260-3631** for assistance.
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### 8. Can I settle my debt for less than the full balance?
Depending on your creditor’s policies, AWA may be able to offer a settlement for a reduced amount. Contact us to discuss your options.
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### 9. What communication channels does AWA use?
We reach consumers through **email, text messages (SMS), chat through the consumer portal ([payawa.com](http://payaway.com)), mailed notices and phone calls** — so you can communicate through the method you’re most comfortable with.
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### 10. Does AWA report debts to credit bureaus?
If an account remains unpaid, we may report it to one or more of the three major credit bureaus (Equifax, Experian, TransUnion). However, if you resolve the debt promptly, we can often avoid negative credit reporting and any accounts that have been reported are deleted from credit reports when resolved.
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### 11. What if I think there’s a mistake or I’m a victim of identity theft?
Contact us immediately at **(866) 260-3631** or through [www.payawa.com](https://www.payawa.com) to report errors or identity theft. We’ll investigate promptly and work with you to resolve any issues.
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### 12. Did AWA buy my debt?
No. Adler Wallach represents clients as a contingency-based debt recovery agency and does not purchase debt ever. This means AWA representatives walk a tightrope of meeting client requests/requirements and finding a workable resolution with responsible parties, which is a challenging but rewarding collaborative process to help consumers resolve outstanding accounts.
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### 13. Can I trust AWA to treat me fairly?
Yes. We pride ourselves on our reputation for ethical, respectful interactions with consumers. Our approach is designed to protect your rights and help you resolve debts without unnecessary stress.
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### 14. What is AWA’s contact information?
- **Website**: [www.adlerwallach.com](https://www.adlerwallach.com?hsLang=en)
- **Consumer Portal**: [www.payawa.com](https://www.payawa.com)
- **Phone**: (866) 260-3631
- **Mailing Address**: PO Box 6605, Orange, CA 92863-6605
- **Physical Address:** 1045 W Katella Ave, Orange, CA 92867
**AWA is a licensed and bonded national collection agency, privately owned and operated since 1991 out of beautiful Southern California.**
- [About Us](https://adlerwallach.com/about-us)
- [Our Technology](https://adlerwallach.com/awa-technology)
- [Our Philosophy](https://adlerwallach.com/awa-philosophy)
- [FAQ](https://adlerwallach.com/faq)
- [Resources](https://adlerwallach.com/resources)
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- [Privacy Policy](https://adlerwallach.com/privacy-policy)
- [State Disclosures](https://adlerwallach.com/state-disclosures)
- [E-Sign](https://adlerwallach.com/e-sign)
- [EFTA / Reg E](https://adlerwallach.com/reg-e)
- Contact Us
- [Consumers](https://adlerwallach.com/consumer-contact-awa)
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- [Prospective Clients](https://adlerwallach.com/awa-prospective-clients)
This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose.
Nevada licensing: Compliance Manager License CM10817, NMLS# 1000121 Allan Adler | AWA NMLS# 988275 | Collection Agency License CAD11890
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