When selecting a debt buying partner, creditors should consider many different criteria including debt buying experience, compliance policies, data security safeguards, and post-sale support. Debt buyers should have experience and a deep understanding of the web of laws and regulatory requirements on a national level as well as the specific states in which the creditor originates accounts. Creditors often require debt buyers to complete comprehensive questionnaires (known as an RFI or Request for Information) to assess their compliance with various regulatory and data security standards.