Quick Collect, Inc. is a Pacific Northwest collection agency that leans heavily on the courts, so if it is contacting you, the stakes can move quickly from phone calls to a lawsuit, a wage garnishment, or a property lien. This guide answers what matters most: who the company is, whether it is even licensed to collect where you live, what its litigation record actually shows, and the concrete steps that protect you. Each section opens with the answer so you are not hunting for it.
What sets this collector apart from a typical call-center operation is its willingness to litigate, which means the most valuable things you can do are confirm its licensing, check the clock on the debt, and respond to any court paper on time rather than waiting it out.
Who Is Quick Collect, Inc. (QCI)?
Quick Collect, Inc., often shortened to QCI, is a third-party debt collection agency based in Oregon that also operates in the Vancouver, Washington area and collects across the Portland metro region. Public business records list it at PO Box 55457, Portland, OR 97238, and describe an agency that works accounts for businesses and medical and dental providers using demand letters, phone calls, credit-bureau reporting, and legal action.
Because QCI collects for other businesses rather than lending money itself, the balance it pursues almost always began with a medical office, a dental practice, or a service provider you dealt with directly. Its Better Business Bureau profile shows the company is not BBB accredited, and the agency’s documented use of garnishments and liens, discussed below, is what makes early, informed action worthwhile.
Why Is Quick Collect Contacting You?
Quick Collect is contacting you because a creditor placed an unpaid account with it for collection, most often an unpaid medical or dental bill in Oregon or Washington. It is acting as the creditor’s collection agent, so the debt is usually a real obligation that went unpaid rather than a mystery account, which shifts your focus to accuracy, timing, and procedure rather than whether the debt exists at all.
The practical risk with QCI is escalation. Consumer complaints and its court record show the company moving from billing to litigation, including sending writs of garnishment to employers and recording liens, so a letter or call from Quick Collect is worth treating as the start of a process that can reach your paycheck, not background noise. Our overview of the types of debts explains how a medical balance behaves once it is in collection.
Is Quick Collect Licensed to Collect in Oregon and Washington?
This is the first thing to check, because both states require collection agencies to be licensed, and licensing is not a formality. Washington’s Collection Agency Act, at RCW 19.16.110, bars any business from acting as a collection agency “without first having applied for and obtained a license,” and Washington law goes a step further: an unlicensed agency is barred from filing lawsuits in the state’s courts, which can be a defense if you are sued by one.
Oregon likewise requires debt collectors to be licensed through the Oregon Division of Financial Regulation, and it prohibits unfair collection under the Oregon Unlawful Debt Collection Practices Act at ORS 646.639. You can confirm a collector’s license with the Washington Department of Licensing or Oregon’s regulator before you pay or respond to a demand, and a collector that cannot show a valid license where it is operating is a problem you can raise, especially if it has sued you.
Has Quick Collect Been Sued for FDCPA Violations?
Yes. Quick Collect has been a defendant in several Fair Debt Collection Practices Act cases in Oregon’s federal court, and two of them are worth understanding because they cut in different directions. These rulings illustrate how the law is applied; they are not a prediction about any individual case.
In Hingston v. Quick Collect, Inc. (U.S. District Court for the District of Oregon, 2016), the court found Quick Collect liable under the FDCPA. After the company issued a $250 writ of garnishment to the consumer’s employer over a medical debt, it sent the debt-notice letter the statute requires 14 days after first contact, 9 days past the five-day deadline in 15 U.S.C. Section 1692g(a), and the court held the company strictly liable because it did not claim a bona fide error. The case is a clear example of the procedural protections the FDCPA gives you when a collector moves fast toward garnishment.
The other is a landmark the company actually won. In Donohue v. Quick Collect, Inc. (9th Cir. 2010), the Ninth Circuit held that a statement in a collection complaint that mislabeled part of the balance as “interest” was technically inaccurate but not actionable, because it was immaterial and did not mislead the consumer about what she owed or how to respond. Donohue established, in this circuit, that a false statement must be material to violate the FDCPA, a standard that cuts both ways and is worth knowing before you build a claim on a minor wording error. Quick Collect has also been named in other Oregon FDCPA suits, including matters docketed as Nguyen, Goodall, and Banner v. Quick Collect, which together show a company that both litigates against consumers and gets litigated against. Full dockets are available through PACER or CourtListener, which require an account for complete access.
What Do Quick Collect Complaints and Reviews Say?
Complaints about Quick Collect cluster around billing and escalation rather than nonstop phone calls, which fits a collector that works through the courts. Its BBB file, though small in number, describes patterns worth recognizing, and consumer-review sites such as ComplaintsBoard and WalletHub carry similar accounts; the examples below are drawn from BBB complaint records and reflect consumers’ allegations rather than proven findings.
- A payment plan that did not stop a lawsuit. In a 2025 BBB complaint, a consumer paying $156.86 a month on a dental-procedure balance said two automated payments failed after a card was replaced, the account briefly showed a zero balance, and court papers demanding the full amount arrived days later.
- Garnishment and credit-reporting problems. In a 2023 complaint, a consumer who paid $2,223.55 to resolve two accounts reported that Quick Collect had moved to garnish wages and contact the employer, and had not updated the credit bureaus as expected; the company responded that it reported a zero balance the day the account was paid.
- A lien and no live contact. Another 2023 complaint described a property lien and difficulty reaching a person at the company, with QCI responding that it had tried to make contact before taking legal action.
In our practice, the recurring theme with court-focused collectors like this one is that a billing or payment-processing error can snowball into a judgment if it is not documented and challenged early, which is exactly why keeping proof of every payment matters.
What Are Your Rights, and When Do They Apply?
Your protections come from federal law and from Oregon and Washington law, and each applies on its own conditions rather than automatically. Because Quick Collect is a third-party collector, the FDCPA governs its conduct, as Hingston confirms.
- The FDCPA bars false, unfair, and abusive collection and entitles you to written validation; where a court finds a violation, it allows statutory damages up to $1,000 plus any actual damages and attorney fees.
- The TCPA can allow $500 to $1,500 per call, but only where autodialed or prerecorded calls reached your cell phone without consent.
- The FCRA governs how the account is reported and lets you dispute an entry that is inaccurate or unverified, using our credit report dispute guide, which matters here given complaints about balances not updating after payment.
- Oregon and Washington law require the collector to be licensed, prohibit unfair collection, and set a six-year deadline to sue on most written contracts and medical debts, after which a lawsuit can be challenged as time-barred.
Confirming that six-year window is especially useful, because a suit filed on a debt past the deadline can be defended on that basis, though the collector may still ask you to pay voluntarily.
Conduct and Situations, and How the Law May Treat Them
| What you are dealing with | Why it matters | Governing rule | What it may provide |
| A late or missing debt-validation notice | A procedural FDCPA breach, as in Hingston | FDCPA 1692g | Statutory and actual damages, if proven |
| A garnishment or lawsuit by an unlicensed agency | A licensing defect under state law | RCW 19.16; Oregon DFR rules | A defense, and possibly a bar to suit |
| A suit on a debt over six years old | A time-barred claim | Oregon and Washington limitations | A defense to the lawsuit |
| Autodialed or recorded calls to your cell, no consent | An unconsented robocall | TCPA | $500 to $1,500 per call |
| A balance still reporting after you paid | Inaccurate credit reporting | FCRA | Correction, plus actual damages if proven |
| A false or misleading statement that is material | Deception that affects your choices | FDCPA 1692e | Statutory and actual damages, if proven |
Whether any of these produces a recovery depends on the facts and proof, so the table shows what the law may offer, not a guaranteed result, and our unfair collection practices page explains the conduct that can support a claim.
What Should You Do If Quick Collect Sues You or Garnishes Your Wages?
Act on the deadline, not on your worry, because the single most damaging mistake is ignoring a summons. If you are served with a lawsuit, you generally have a short, fixed window to file a written response, and missing it can hand Quick Collect a default judgment that opens the door to wage garnishment and liens even on a debt you dispute or that is too old to enforce.
Take these steps in order:
- Read the court paper for its response deadline and calendar it immediately, because everything else depends on meeting it.
- Check the debt’s age and the collector’s license, since a time-barred debt or an unlicensed agency can give you a defense you raise in your response.
- Demand written validation and your records, including proof of the original creditor, the amount, and every payment you made, using our debt validation letter guide.
- Preserve proof of payments, especially if you were on a payment plan, given the complaints about plans that did not prevent suit.
- Get the lawsuit and the conduct reviewed, because a garnishment or a default judgment is worth challenging before it reaches your paycheck.
How Do You Stop the Calls and Correct Your Credit?
You limit the calls with a written request and fix your credit with a written dispute, each under a different law. Under the FDCPA at 15 U.S.C. Section 1692c(c), a written request that Quick Collect stop contacting you generally requires it to cease most communication, with narrow exceptions, though that does not erase the debt or stop a lawsuit already in motion; a dated cease-and-desist letter makes the request.
For your credit report, dispute any entry that is inaccurate, that still shows a balance after you paid, or that the company cannot verify, and the bureau and Quick Collect must investigate under the FCRA. If the calls are automated and reached your cell without consent, keep a log, since that record is what supports a potential TCPA claim, and our page on handling harassing phone numbers covers persistent contact.
How Consumer Rights Law Firm PLLC Can Help
If Quick Collect has sued you, moved to garnish your wages, filed a lien, or reported a balance you already paid, you do not have to face a court-focused collector by yourself. Consumer Rights Law Firm PLLC has represented consumers since 2010 under the FDCPA, the TCPA, and the FCRA, and much of that work is making a collector prove the debt, meet its procedural duties, and answer for how it reported or pursued the account. Our how we work page explains the arrangement.
Consider the situations we see with a collector like this one. Someone is sued on a medical balance after a payment plan quietly failed. Someone else faces a garnishment from an agency whose licensing they never thought to check. A third keeps seeing a paid account reported as owing. Each is worth a conversation rather than a payment made under the pressure of a court deadline.
There is nothing to pay to begin, and where a covered claim succeeds, the FDCPA, FCRA, and TCPA allow the fee to be paid by the company found to have broken the law rather than by you. Reach us at (877) 700-5790, open a free, no-obligation case review, or send a note through the contact page.
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Frequently Asked Questions
Who is Quick Collect, Inc.?
An Oregon-based third-party collection agency, also known as QCI, that works medical, dental, and other accounts across Oregon and the Vancouver, Washington area using letters, calls, credit reporting, and lawsuits.
Is Quick Collect a scam?
No, it is a real collection agency with a documented court record. The caution here is its use of lawsuits and garnishment, so verify the debt and the company’s state license rather than ignoring it.
Can Quick Collect garnish my wages?
It can seek a wage garnishment, but generally only after suing and obtaining a judgment, and a court found in Hingston v. Quick Collect that it violated the FDCPA in connection with a garnishment-related notice. Responding to any lawsuit on time is critical.
Is Quick Collect licensed?
Both Oregon and Washington require collection agencies to be licensed, and in Washington an unlicensed agency cannot file suit. Confirm the license with the Washington Department of Licensing or Oregon’s financial regulator.
How long can Quick Collect collect on a debt?
Oregon and Washington both use a six-year limit for most written contracts and medical debts, so a lawsuit filed after that can be challenged as time-barred, even if the collector keeps asking you to pay.
Can they call my cell phone with automated calls? Only with your consent. An autodialed or recorded call to a cell without consent may be worth $500 to $1,500 each under the TCPA, depending on the facts.
Quick Collect still reports a balance I paid. What do I do?
Dispute the entry in writing with the credit bureaus and Quick Collect. Under the FCRA, an item that cannot be verified must be corrected or deleted.
Will a lawyer cost me anything up front?
No. The work is handled on contingency, and these statutes allow fees to be paid by a company found to have broken the law.
