Debt Collection Services
Professional Credit helps government agencies, businesses, health systems, hospitals, and physician groups recover outstanding balances while protecting consumer satisfaction and brand reputation. With more than 90 years of experience and nationwide licensing, we deliver customized debt collection solutions backed by compassionate service and proven results.
Proven debt collection results you can trust
Years
90+
Delivering trusted debt collection services since 1933
Supporting hospitals, health systems, government entities, and businesses nationwide
950+ collection Clients
high recovery rates
Clients experience recovery rates 5–10% above industry averages
99.999%
Just 1 complaint per 19,000 consumer contacts through our respectful, consumer-first approach
complaint free
Recognized for meeting rigorous standards in healthcare financial services since 2014 (learn more)
HFMA Peer reviewed
Debt Collection Services Designed for Better Recovery and Better consumer Experiences
Every organization has different collection needs. That’s why Professional Credit offers a full range of debt collection services designed to help organizations recover more while protecting consumer relationships.
collection Services professional Credit Offers
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Our primary bad debt collection services focus on accounts with recent missed payments, typically less than 90-180 days past due. By engaging consumers early and maintaining consistent communication, we help improve recovery opportunities before accounts continue to age.
We communicate with consumers through:
Phone outreach
Text messaging
Email communication
Printed letters
Mobile-friendly payment tools
Our representatives are trained to communicate with empathy and professionalism while helping consumers identify payment solutions that fit their situation.
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Our secondary bad debt collection services focus on accounts that remain unresolved after initial collection efforts. Using advanced technology and data-driven strategies, we identify the best recovery opportunities while continuing to engage consumers in a compliant and respectful manner.
Our approach includes:
Advanced scoring models
Account segmentation
Ongoing account monitoring
Prioritized recovery strategies
Continued multichannel consumer outreach
Because every account and consumer situation is different, our approach is designed to balance collection performance with consumer satisfaction.
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Our legal debt collection services focus on accounts that remain unpaid after standard collection efforts have been exhausted. When appropriate, our in-house legal collections team provides an additional path toward recovery by carefully evaluating each account before legal action is considered.
Our legal debt collection services include:
Comprehensive account review and legal evaluation
Pre-legal outreach to encourage voluntary resolution
Attorney oversight and legal action when appropriate
Post-judgment recovery and ongoing account management
Throughout the process, we maintain compliant and professional communication with both clients and consumers while working to achieve the best possible recovery outcome.
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Our early out collection services, offered through Ensource, help healthcare organizations engage consumers before balances age into bad debt.
By combining digital-first patient outreach with experienced U.S.-based representatives, we help organizations:
Accelerate cash flow
Reduce bad debt
Improve patient communication
Increase self-pay collections
Reduce pressure on internal teams
Patients benefit from clear communication, flexible payment arrangements, and convenient digital payment tools that make it easier to resolve balances.
Who we serve
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![Healthcare]()
Healthcare
Healthcare organizations need experienced collection partners who understand the unique challenges of patient financial responsibility. Professional Credit provides compassionate debt collection services for hospitals, health systems, and physician groups across the United States. Our patient-first approach, advanced technology, and proven recovery strategies help maximize recoveries while protecting patient relationships.
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![Government]()
Government
Government organizations need experienced collection partners they can trust. Professional Credit provides compliant debt collection services for cities, counties, state agencies, emergency medical service providers, utilities, courts, and other public sector organizations across the United States. Our technology, reporting, and citizen-first approach help maximize recoveries while supporting the unique needs of the public sector.
Real Testimonials from Our Collection Clients
How Our Debt Collection Services Work
Accounts can be placed in a variety of formats based on each client's preferences. New accounts are reviewed for accuracy, compliance, and readiness before collection activity begins.
1. Intake & Screening
We begin outreach using a thoughtful, data-informed approach that helps us tailor communication based on each account’s circumstances. Our process supports respectful, timely engagement while allowing us to adjust outreach as account information changes.
2. Initial Collections Activity
Our trained collectors leverage advanced technology to locate and reach out to patients. We persist with multiple contact attempts and employ skip-tracing methods through a network of data vendors with access to extensive databases.
3. Advanced Collections Activity
4. Legal Collections Activity
When appropriate, our in-house legal team provides additional support through a compliant, carefully reviewed process. We work closely with our clients to evaluate account circumstances and determine whether additional collection options may be appropriate.
A Better Consumer Experience
We believe the collection experience matters.
Consumers deserve to be treated with respect, empathy, and professionalism throughout the account resolution process. That’s why Professional Credit focuses on creating positive, solution-oriented interactions that help individuals feel informed, supported, and comfortable discussing their options.
Our teams are trained to approach every conversation with compassion while maintaining clear communication and a commitment to helping consumers find realistic paths toward resolution.
This consumer-first approach has helped Professional Credit maintain a 99.999% complaint free rate, just 1 complaint per 19,000 consumer contacts, along with an A+ BBB rating and HFMA Peer Reviewed designation (learn more).
Proven through consumer feedback
“Brittany knocked it out of the park with her amazing customer service. She made the entire process easy and was a pleasure to work with.”
“Very helpful and professional—provided clear information and was friendly throughout the interaction.”
“The representative took the time to explain my options and helped me find a payment solution that worked for me.”
COMPLETE TRANSPARENCY WITH OUR CLIENT TOOLS PORTAL
One of the biggest advantages of partnering with Professional Credit is the visibility you'll have throughout the collection process.
Our proprietary Client Tools Portal gives your team secure, 24/7 access to your collection data through one easy-to-use platform.
Whether you're checking on a single account or reviewing overall collection performance, you'll always have access to the information you need to stay informed.
With client tools, you can:
View every account placed for collections
Monitor collection activity in real time
Review every call, note, payment, and account interaction
Listen to recorded collection calls
Generate customized reports
Track payment history and recovery performance
Access account information securely from any device, 24/7
Improve Recovery Performance With Professional Credit’s Debt Collection Services
Partner with a nationally licensed debt collection agency that combines compassionate consumer communication, advanced technology, and proven recovery strategies to help your organization recover more revenue.
Want to learn more about how we can support your organization?
Dedicated Client Success Team
Our client success team works closely with every client to provide ongoing support, review account performance, and identify opportunities to improve collection results.
From onboarding through ongoing account management, we help ensure your collection program continues to meet your organization's goals.
Regularly scheduled consultations to review strategy, goals, and performance
Ongoing performance reviews focused on results and continuous improvement
Client scorecards and reporting insights that provide clear visibility into performance
Dedicated support and responsive communication throughout the collection process
Since 2013, Professional Credit’s Client Success Team has delivered award-worthy customer service and client support that consistently exceeds expectations!
Modern Debt Collection Services Built Around Consumer Preferences
Consumer communication preferences continue to evolve, and debt collection services must evolve with them.
Professional Credit has expanded the ways consumers can connect with us and resolve balances through our mobile and digital engagement strategy. Many consumers prefer self-service options over traditional phone calls, which is why we provide multiple ways to access accounts, communicate with representatives, and make payments online.
This flexible approach helps improve engagement, increase account resolution opportunities, and create a better overall consumer experience
Our multichannel engagement strategy includes:
Why Organizations Choose Professional Credit for Debt Collection Services
Frequently Asked Questions (FAQs) About Debt Collection Services
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A debt collection agency helps businesses, healthcare organizations, government agencies, and other creditors recover unpaid balances after their internal billing and collection efforts have been exhausted. Collection agencies contact consumers or businesses through mailed letters, phone calls, email, text messaging, and secure online payment portals, answer account questions, offer payment plans when appropriate, and work to recover outstanding balances on behalf of their clients.
Depending on the client's needs, debt collection agencies may also provide first-party collections, third-party collections, legal collections, skip tracing, account monitoring, and reporting.
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Debt collection services begin when an organization places unpaid accounts with a collection agency after internal billing and collection efforts have been unsuccessful. The collection agency verifies account information, contacts consumers or businesses through multiple communication channels, answers account questions, offers payment options when appropriate, and works to recover the outstanding balance.
Throughout the collection process, clients receive reporting on account activity, payments, and recovery performance. Depending on the type of account and client authorization, some accounts may also be referred for legal collections when additional recovery efforts are appropriate.
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Early out services help organizations recover unpaid balances before accounts are considered bad debt. Early out providers act as an extension of the organization's billing department, using the organization's name to remind customers or patients about outstanding balances, answer billing questions, offer payment options, and resolve accounts while preserving positive relationships.
Bad debt collection begins after internal billing and early out efforts have been exhausted. At that point, delinquent accounts are placed with an independent third-party collection agency that communicates under its own name and uses specialized collection strategies to recover outstanding balances. Because bad debt collection occurs later in the collection process, it is generally governed by the Fair Debt Collection Practices Act (FDCPA) and other applicable federal and state collection laws.
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Primary debt collection is the first placement after an account is referred to a collection agency. If the account remains unpaid after primary collection efforts, it may be placed with a secondary collection agency that uses different recovery strategies, data analytics, and communication approaches to pursue additional recoveries.
Organizations often use secondary debt collection to maximize recoveries on older or more difficult-to-collect accounts that were not resolved during the initial placement.
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Legal debt collection is the process of pursuing payment through legal action after traditional collection efforts have been unsuccessful and litigation is appropriate. Not every unpaid account qualifies for legal collections. Factors such as the balance owed, collectability, state laws, available assets, and client authorization are typically considered before legal action is pursued.
When litigation is approved, legal collections may include filing a lawsuit, obtaining a court judgment, and using other legally authorized collection remedies available under applicable state and federal laws.
Related resource: Legal Collection Services
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Most debt collection agencies charge on a contingency fee basis, meaning they are paid only when they successfully recover funds on behalf of their client. Depending on the type of accounts being placed, contingency fees typically range from 20% to 50% of the amount collected. Older accounts, lower-balance accounts, or accounts requiring legal action often have higher contingency rates because they typically require additional time and resources to recover.
Some collection agencies also offer flat-fee pricing for early-stage collections or pre-collection services. Before selecting a collection partner, organizations should understand the agency's pricing structure and whether additional fees apply for services such as legal collections or skip tracing.