Privacy Policy

Privacy Policy

Credit Clearing House of America
Effective Date: August 14, 2026
Last Updated: August 14, 2026

Credit Clearing House of America ("CCHA," "we," "us," or "our") is a professional debt collection agency headquartered at 120 E Market St, Louisville, KY 40202. This Privacy Policy explains how we collect, use, disclose, and protect personal information when you visit our website (cchamerica.com), use our online payment portal, or interact with us in connection with debt collection services.

By using our website or services, you acknowledge that you have read and understood this Privacy Policy.

1. Who We Are and How We Obtain Your Information

CCHA collects debts on behalf of creditors ("clients") in industries including healthcare, utilities, government, and financial services. If you are a consumer whose account has been placed with us, much of the personal information we hold about you was provided to us by the original creditor or current owner of your account — not collected directly from you. We may also obtain information from:

  • You directly (by any means, including by phone, mail, text message, email, our website, our payment portal, or other methods)
  • Our clients and their service providers
  • Consumer reporting agencies (credit bureaus)
  • Skip-tracing and public record services used to locate consumers
  • Payment processors and financial institutions

2. Information We Collect

Depending on your relationship with us, information we collect may include:

Identity and contact information: Name, mailing address, email address, telephone numbers, date of birth, and Social Security number (in whole or in part) as provided by our clients or data sources.

Account and financial information: Account numbers, account balances, payment history, transaction records, bank account or payment card details you provide when making a payment, and employment information where lawfully obtained.

Health-related information: For accounts placed by healthcare providers, we may receive limited information about medical services rendered (such as provider name, dates of service, and amounts owed). We handle such information in accordance with applicable law, including the Health Insurance Portability and Accountability Act ("HIPAA") where we act as a business associate of a covered entity.

Communications records: Records of our communications with you, including call recordings, letters, emails, and dispute or validation correspondence. Calls may be monitored or recorded for compliance and quality assurance.

Website and technical data: IP address, browser type, device information, pages visited, and cookie data collected automatically when you use our website (see Section 8).

3. How We Use Your Information

We use personal information to:

  • Collect and service debts placed with us by our clients
  • Locate and communicate with consumers regarding their accounts
  • Verify identity before discussing account details
  • Process payments and issue receipts
  • Investigate and respond to disputes, debt validation requests, and complaints
  • Furnish information to consumer reporting agencies where permitted by law
  • Comply with legal and regulatory obligations, including the Fair Debt Collection Practices Act ("FDCPA"), Regulation F, the Fair Credit Reporting Act ("FCRA"), the Gramm-Leach-Bliley Act ("GLBA"), HIPAA (where applicable), and state collection laws
  • Maintain records, conduct audits, and enforce our legal rights
  • Operate, secure, and improve our website

We do not sell your personal information, and we do not use it for third-party marketing.

4. How We Share Your Information

We disclose personal information only as permitted or required by law, including to:

  • Our clients (the creditors or account owners on whose behalf we collect)
  • Consumer reporting agencies, where reporting is permitted
  • Service providers who support our operations (payment processors, mail vendors, technology and hosting providers, letter vendors, skip-tracing services), under contractual confidentiality obligations
  • Attorneys, courts, and process servers in connection with legal proceedings related to an account
  • Regulators, law enforcement, or other parties when required by law, subpoena, or court order, or to protect our legal rights
  • Successors in the event of a merger, acquisition, or sale of assets

Federal and state debt collection laws restrict who we may discuss your debt with. We do not disclose the existence of a debt to unauthorized third parties.

5. Your Rights as a Consumer

Depending on applicable law, you may have the right to:

  • Dispute a debt and request validation under the FDCPA. If you dispute a debt in writing within 30 days of receiving our initial notice, we will obtain verification of the debt and mail it to you.
  • Request that we cease communication or limit how and when we contact you (e.g., not at work, not by a particular channel).
  • Opt out of electronic communications by following the instructions in those communications.
  • Access, correct, or request deletion of personal information under applicable state privacy laws, subject to exemptions. Note that information processed under the FCRA and GLBA, and information we must retain for legal compliance, is generally exempt from such requests.

To exercise any of these rights, contact us using the information in Section 11.

6. Data Security

We maintain administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, use, or disclosure, consistent with the GLBA Safeguards Rule and other applicable requirements. These include access controls, encryption of data in transit, and employee training. No system is completely secure, and we cannot guarantee absolute security of information transmitted over the internet.

7. Data Retention

We retain personal information for as long as necessary to service the account, comply with legal, regulatory, and contractual record-keeping obligations, and resolve disputes. Retention periods are governed by federal and state law and our clients' requirements.

8. Cookies and Website Analytics

Our website may use cookies and similar technologies to operate the site, remember preferences, and understand how visitors use the site. You can control cookies through your browser settings; disabling cookies may affect site functionality.

9. Third-Party Websites

Our website contains links to third-party websites, including our payment portal and educational resources such as Ask Doctor Debt. This Privacy Policy does not apply to third-party sites, and we are not responsible for their privacy practices. Review the privacy policy of any site you visit.

10. Children's Privacy

Our website and services are not directed to individuals under 18, and we do not knowingly collect personal information from children.

11. Contact Us

If you have questions about this Privacy Policy or wish to exercise your rights:

  • Credit Clearing House of America
  • 120 E Market St, Louisville, KY 40202
  • 502-583-1666 | Toll-free: 800-928-1666

12. Changes to This Policy

We may update this Privacy Policy from time to time. The updated version will be posted on this page with a revised "Last Updated" date. Continued use of our website after changes are posted constitutes acceptance of the updated policy.

This communication is from a debt collector. This is an attempt to collect a debt, and any information obtained will be used for that purpose.