Collection Cost Calculator
Estimate your recovery potential and see how much revenue MSB can help you recover.
- No recovery, no fee
- Licensed where required
- HIPAA compliant
Calculator
How Much Revenue Are You Leaving on the Table?
Most organizations recover less than 15% of their delinquent accounts when handling collections internally. Professional collection works best when accounts are placed early — recovery probability falls sharply after 90 days of delinquency.
Use our free calculator below to estimate your potential recovery, the revenue increase you could achieve by partnering with MSB, and an approximate timeline to break even on your investment. Simply enter your annual delinquent account volume and current recovery rate to see instant results.
This calculator provides conservative estimates based on industry averages. Your actual results may be higher depending on the age and quality of your accounts, your industry, and how quickly accounts are placed for collection. For a detailed, customized analysis based on your specific portfolio, request a free consultation with our team.
How the Calculator Works
- Estimated Recovery: We apply an illustrative 30% recovery rate to the annual delinquent volume you enter. It is an assumption for illustration, not a promise — actual recovery depends on account age, balance size, and placement timing.
- Revenue Increase: The difference between what you're recovering now and what you could recover with MSB. This represents the additional revenue that's currently being written off as bad debt.
- Break-Even Timeline: Based on MSB's no-recovery, no-fee model, you start seeing net positive returns from your first recovered dollar. We estimate a typical break-even of 30-60 days based on portfolio characteristics.
Pricing explained
How Debt Collection Costs Actually Work
If you've never worked with a collection agency before, the pricing model might be unfamiliar. Here's the short version: most reputable agencies, including MSB, work on contingency. That means we only get paid when we collect. There's no monthly retainer, no setup fee, and no monthly minimum. If we don't recover anything, you pay nothing.
Contingency rates in the industry typically range from 15% to 50% of the collected amount, depending on the age of the accounts, the balance size, the volume you're placing, and your industry. Fresher accounts with larger balances cost less to collect because the success rate is higher. Old, small-balance accounts are harder to work and carry higher rates. At MSB, we'll quote you a specific rate based on your portfolio — no surprises.
What Recovery Rates to Expect
Recovery rates vary widely based on how old the accounts are when you place them. The general pattern by account age:
- 0-90 days past due: the strongest recovery window. This is where early-out programs shine — patients and customers still remember the service, their contact info is current, and they're more willing to work out a payment plan.
- 90-180 days past due: recovery starts to fall. Accounts start getting harder here. Some contact info goes stale, and the debtor has had time to deprioritize the balance.
- 180-365 days past due: recovery falls further. These are tougher accounts, but there's still real money to recover — especially on larger balances.
- Over 365 days past due: the hardest accounts to collect, but on a large enough portfolio, even a small recovery percentage can represent significant revenue.
The takeaway: the sooner you place accounts, the more you'll recover. Every month an account sits on your AR aging report is money walking out the door.
The ROI of Outsourcing Collections
The real question isn't "what does a collection agency cost?" — it's "what does it cost to not use one?" When your staff spends time chasing old accounts, they're not working on current patients, customers, or revenue-generating activities. Internal collection efforts on aged accounts typically recover 5-15%, while a professional agency with skip-tracing tools, multi-channel outreach, and trained collectors will recover 2-3x that amount. On a contingency basis, the math almost always works in your favor.
Use the calculator above to see what the numbers look like for your specific situation, then reach out for a free custom analysis based on your actual portfolio data.
Why MSB
Why Organizations Choose MSB
No Recovery, No Fee
You only pay when we successfully recover funds. There are no upfront costs, setup fees, or monthly minimums. Our incentives are perfectly aligned with yours — we succeed when you succeed.
Since 1970
Founded in Wichita, Kansas in 1970, MSB collects past-due healthcare, commercial and municipal accounts on contingency — no recovery, no fee.
Focused Recovery
Early placement, skip-tracing and compliant multi-channel contact are designed to recover more than an un-worked account would.
Compliance Program
HIPAA, FDCPA, Regulation F, TCPA, and state-specific rules are built into MSB's compliance program at every step of the collection process.
Ready for a Detailed Analysis?
Our team will review your specific accounts receivable
- No setup fees
- No monthly minimums
- Contingency placements: you pay only when we collect