Legal Collection Services

Professional Credit provides in-house legal collection services for healthcare organizations, government agencies, and businesses seeking to recover accounts that require legal action. Backed by more than 20 years of legal collections experience, our dedicated attorneys, legal recovery specialists, legal clerks, and litigation support professionals deliver results.

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What makes Professional Credit different?

Many collection agencies outsource legal activity to third-party law firms.

Professional Credit maintains a dedicated legal department that includes attorneys, legal recovery specialists, legal clerks, litigation support staff, and legal operations leadership. Because our team works together internally, we maintain greater visibility, communication, and oversight throughout the legal process.

A dedicated in-house legal team

Our legal department has been serving clients for more than two decades and has extensive experience managing legal collection activity across multiple industries.

20+ Years of Legal Experience

Our legal recovery specialists are among the most experienced recovery professionals within our organization.

They perform detailed account reviews, investigate recovery opportunities, and work directly with consumers to seek voluntary resolution before legal action is pursued.

Specialized Legal Recovery Professionals

Our legal team utilizes specialized legal management technology and automated workflows to help improve efficiency, maintain consistency, and support accurate document preparation throughout the legal process.

Technology-Enabled Workflows

When traditional collections aren’t enough

Not every account can be resolved through traditional collection efforts.

When appropriate, legal collections provide an additional path to recovery for accounts that remain unpaid after standard collection activity has been exhausted.

Legal action can encourage resolution, establish judgments, and create additional recovery opportunities that may not otherwise be available.

At Professional Credit, legal collections are never treated as a one-size-fits-all solution. Every account is carefully evaluated before legal action is considered.

Who we serve

  • 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.

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Real Testimonials from Our Collection Clients

  • “I am very pleased with the services [Professional Credit] provides us. Their Client Tools portal allows us to run reports, monitor and research individual accounts, and see what activity [Professional Credit] has taken on an account. The Client Tools portal is easy to use and has online help and training. For routine inquiries, it is used to communicate between [Professional Credit] and my staff, and the response time is more than reasonable. It is usually within minutes for simple issues or a few hours for more complex items.”

    Billing Coordinator for a City Government in Arizona

  • “We have found Professional to take exceptional care in handling our accounts referred for collection. By treating our patients with the respect we wish to give them, Professional remains aligned with our beliefs and values.”

    Manager of Patient Financial Services at Northwest Health System

  • "Professional Credit has been an exceptional partner for our debt collection services. Throughout our partnership, they have consistently demonstrated excellence in technology, customer service, and compliance. Their staff handles sensitive financial matters with professionalism, courtesy, and empathy, helping us maintain positive relationships within our community. We have found Professional Credit to be a trustworthy and reliable partner and confidently recommend them to organizations seeking transparent, customer-focused collection services."

    Transportation Services Director at a Fire and Medical District in Arizona

  • “By providing several options for outreach and payment, including payment plan support, we are meeting patients where they are and giving them a secure, seamless process to make financial arrangements.”

    Director at a Large Health System Located in the Northwest

  • “Professional Credit has been an exceptional debt collection partner for our municipality. Their commitment to technology, customer service, and compliance has consistently exceeded our expectations. Their use of advanced technology has improved the efficiency, security, and accuracy of our collection process, making them a dependable and forward-thinking partner. We confidently recommend Professional Credit to any municipality seeking dependable debt collection services.”

    Billing and Collections Administrative Supervisor for a City Government in California

  • "Since 2022, Professional Credit has consistently demonstrated excellence in their debt recovery service. Their dedication to maintaining our positive image while recovering bad debt accounts has had a significant, positive impact on our bottom line. We have found Professional Credit to be a trustworthy and reliable partner whose professionalism, dedication to excellence, and willingness to work closely with our specific needs have made them an indispensable partner."

    Compliance Administrator at a State Tax Commission

  • “Professional has proven to be a great partner. Their expertise and rapid collection procedures dramatically increased our recovery rate. In some categories we realized a 400% increase in recovery from our previous national collection agency .”

    Assistant Finance Director for a City Government in Oregon

  • "The [State] Department of Revenue has partnered with Professional Credit for over 20 years. Throughout multiple system transitions, Professional Credit has consistently completed all requirements and testing phases while providing responsive communication and excellent follow-through. Their customer service and collections are consistently great, and we trust them to work our accounts correctly and efficiently. We value the partnership we have with Professional Credit and highly recommend them for collection services"

    Administrative Services Manager at a State Revenue Department

  • "Professional Credit has been a great partner for our debt collection services since 2020. Their dedication to maintaining our positive image while recovering tax debts has had a significant, positive impact on our bottom line. They have proven to be a trustworthy and reliable partner by demonstrating extensive knowledge of the ever-evolving legal landscape surrounding debt collection and proactively adapting to new compliance requirements. They have also fully automated our referral, adjustment, and reporting processes through system integration, all while providing top marks in customer service."

    Special Services Division Director at a State Tax Commission

How Our legal Collections process Works

Once collection efforts have been exhausted, qualified accounts are reviewed by our legal team.

Legal recovery specialists verify account information, review client requirements, evaluate compliance considerations, and assess whether legal action is likely to be productive.

1. Account Review

Before legal proceedings begin, our team attempts to contact the consumer and pursue voluntary resolution whenever possible.

In many cases, accounts can still be resolved without court involvement.

2. Pre-Legal Outreach

When legal action is appropriate, legal clerks prepare documentation for attorney review.

Our experienced attorneys provide oversight and approval before legal filings are submitted.

3. Legal Action

After judgment is obtained, our team continues recovery efforts through legally available post-judgment remedies and ongoing account management activities.

Throughout the process, we remain focused on compliance, professionalism, and achieving the best possible outcome for our clients.

4. Judgment and Recovery

Professional Credit's legal department combines experienced attorneys, dedicated recovery specialists, and proven processes to provide clients with an additional recovery option when traditional collection efforts are no longer enough.

If you're looking for a collection partner with in-house legal capabilities and more than 20 years of experience, we're ready to help.

Built on Experience. Focused on Results.

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Frequently Asked Questions (FAQs) About legal Collection Services

  • Legal debt collection is the process of pursuing payment through the court system after traditional collection efforts have been unsuccessful and litigation is appropriate. Not every unpaid account qualifies for legal collections. Before legal action is pursued, collection agencies typically evaluate factors such as the balance owed, the likelihood of recovery, applicable state laws, available assets, the statute of limitations, and the client's authorization.

    When litigation is approved, legal debt collection may include filing a lawsuit, obtaining a court judgment, and using other legally authorized collection remedies available under applicable federal and state laws.

  • Traditional collections recover unpaid balances through phone calls, mailed letters, email, text messaging, payment arrangements, and other collection efforts without involving the court system. Legal collections begin when traditional collection efforts have been unsuccessful and litigation is determined to be an appropriate next step.

    Unlike traditional collections, legal collections involve filing a lawsuit to pursue payment through the court system. If a judgment is obtained, additional legal remedies may become available under applicable state and federal laws, such as wage garnishment, bank levies, or property liens where permitted.

  • Not every unpaid account is a good candidate for legal collections. Before litigation is considered, collection agencies typically evaluate factors such as the balance owed, the likelihood of recovery, available assets, the age of the debt, the applicable statute of limitations, state laws, and the client's goals and authorization.

    Legal collections are most commonly used for higher-balance accounts, commercial accounts, government receivables, and other accounts where a court judgment is likely to improve the opportunity for recovery. Because every account is different, legal collections should be evaluated on a case-by-case basis rather than applied to every delinquent account.

  • Yes. Government agencies, municipalities, courts, public utilities, and other public sector organizations frequently use legal collection services to recover delinquent fines, fees, utility balances, taxes, overpayments, and other government receivables after traditional collection efforts have been unsuccessful.

    Legal collection services help government organizations pursue payment through the court system when litigation is appropriate and authorized. Before legal action is pursued, accounts are typically evaluated based on factors such as the amount owed, applicable laws, the likelihood of recovery, available assets, and the agency's policies and approval.

  • Yes. Legal collection services must comply with applicable federal and state collection laws, court rules, licensing requirements, and industry regulations. Third-party collection agencies are generally subject to the Fair Debt Collection Practices Act (FDCPA), and organizations collecting healthcare accounts must also comply with the Health Insurance Portability and Accountability Act (HIPAA) when handling protected health information (PHI). Collection agencies operating across multiple states must also meet each state's licensing and regulatory requirements.

    Because collection laws and court procedures vary by jurisdiction, legal collection strategies should be tailored to the applicable state laws and the client's requirements before litigation is pursued.

  • Yes. For accounts that meet the appropriate legal criteria, legal collections can recover balances that were not resolved through traditional collection efforts alone. Filing a lawsuit and obtaining a court judgment may provide additional legal remedies that are not available during traditional collections, making legal action an effective recovery option for certain accounts.

    However, not every account is a good candidate for legal collections. Before litigation is pursued, collection agencies typically evaluate factors such as the balance owed, the likelihood of recovery, available assets, the age of the debt, the applicable statute of limitations, expected legal costs, and applicable state laws to determine whether legal action is likely to be cost-effective.