Proxy Debt Buyer (aka Proxy Debt Holder) introduces novel technology and next generation market solutions. Proxy Debt Buyer is the exclusive debt buyer for Bid4Debt, represents/manages asset portfolios for passive debt buyers and investors and adheres to best practices on all applicable federal and state laws and regulations including the following: Truth in Lending Act, Equal Credit Opportunity Act, Fair Debt Collection Practices Act, and Fair Credit Billing Act.