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Utility Billing & Collections for Municipalities

MSBureau transforms complex municipal fines and past-due utility accounts into reliable capital. We deploy a compliance-first framework, securing revenue vital for essential public services.

In compliance with:
  • FDCPA Reg F
  • TCPA
  • UCC - State Commercial Law
  • PCI DSS
  • 55 Years in Business
  • Kansas HQ
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How MSB Puts your People First:

Professional Public Sector Collections

As a trusted utility collections agency and government debt collection partner, we ensure respectful interactions while maximizing recovery for municipalities.

Flexible Payment Solutions

Our municipal debt recovery and city debt collection services include convenient payment options through a user-friendly portal, making the process straightforward for citizens.

Citizen Support Resources

Our utility bill recovery agency team provides valuable resources to help citizens understand their obligations while maintaining positive community relations.

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MSB's Commitment to You:

Comprehensive Public Sector Collections

Our government debt collection expertise ensures effective municipal debt recovery across your jurisdiction and beyond.

Tailored Collection Strategies

As your utility collections agency partner, we craft customized city debt collection services aligned with your specific needs, leveraging AI for optimal results.

Real-Time Reporting

Access your utility bill recovery metrics 24/7 through our advanced dashboard, powered by secure cloud hosting.

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Trusted Municipal & Utility Debt Collection Agency With 55+ Years of Experience

For over five decades, MSBureau has served as a specialized financial anchor for essential services, becoming a nationwide pioneer in stabilizing governmental revenue and infrastructure funding. We are uniquely focused on the highly regulated public sector, partnering with utility providers, municipal agencies, transit authorities, and specialized government entities that manage high-volume, complex receivables. We don’t just process past-due accounts—we architect sustainable recovery protocols that secure public finances while meticulously preserving constituent trust and community relationships.

Fiduciary Compliance is not merely a department; it is our operational mandate. MSB is rigidly governed by all state and local ordinances, CFPB guidelines (where applicable), and rigorous public sector licensing requirements. Every recovery effort is executed with unwavering ethics, maximum data security (CISPA/HIPAA-level standards for data protection), and the highest degree of professionalism, safeguarding the agency’s public standing. Our core philosophy prioritizes a compliance-first communication model, ensuring every interaction is legally precise, respectful, and transparent to maximize recovery without creating undue citizen friction.

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We accelerate the revenue cycle through advanced technological integration tailored for public finance. Our platform incorporates AI-driven portfolio segmentation to distinguish between hardship and delinquency, seamless, highly secure payment portals, and real-time, auditable reporting that together redefine and accelerate the municipal collection lifecycle. Across the nation, leading public service entities rely on MSB as their trusted partner for collection services that are legally precise, fully auditable, and demonstrably essential for community investment.

Who We Serve - Sectors & Agencies

City & County Government

State & Regional Agencies

Public University Systems

Municipal Courts & Fines

Electric & Gas Utilities

Water & Sewer Providers

Solid Waste Management

Mass Transit Authorities

Public Housing Authorities

Telecommunications Carriers

Our Municipal & Utility Debt Collection Services

Early-Out Patient Collections
Bad Debt Recovery
Expert Analysis
Self-Pay Account Collections
Account Lookup

We also offer:

  • Customized Citizen Outreach Campaigns
  • Municipal Fee Skip Tracing & Location
  • Legal Collections Support for Agencies (When Necessary)
  • Equitable Citizen Payment Plan Setup
  • Public Finance Lifecycle Consulting
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Our Municipal & Utility Debt Collection Process

Phase 1: Jurisdictional Ingestion & Compliance Validation

  • Data Intake & Audit: Account ledgers, specific fines, fees, and service charges are ingested, creating an immutable, auditable record of the citizen’s obligation.

  • Compliance Risk Modeling: Each receivable undergoes proprietary modeling to assess adherence to local ordinances, identify hardship indicators, and confirm the legal basis for the debt.

  • Initial Verification: Claims lacking clear regulatory viability or flagged for potential hardship are immediately redirected for specialized review or off-ramp.

  • Protocol Notice: Compliant, legally verified service demand notices are dispatched, strictly adhering to state-specific timelines and public notice protocols.

Phase 2: Equitable Outreach & Citizen Engagement Triage

  • Multi-Channel Engagement: Communication is initiated using Equitable Outreach Protocols specifically tailored for citizens and small businesses, avoiding aggressive tactics.

  • Professional Dialogue: Contact utilizes secured, encrypted channels, prioritizing clear, respectful, and professional dialogue centered on legal fact and service obligation.

  • Civic Framing: We frame the recovery as a mandatory civic responsibility necessary for sustaining essential community services and infrastructure.

Phase 3: Resolution Structuring & Public Capital Recapture

  • Resolution Architecture: A specialized legal architecture facilitates swift execution of stipulated payment plans, hardship waivers, fine adjustments, or formal installment agreements.

  • Secure Fund Transfer: All capital transfers utilize auditable, cryptographically secure conduits, ensuring immediate and transparent reconciliation to the appropriate municipal or utility budget line item.

  • Account Clearance: Formal documentation of account clearance or modification is executed meticulously, providing full clarity on the legal status of the service account and its debt.

Phase 4: Evidentiary Integrity & Litigation Readiness

  • Zero-Trust Data Management: All Citizen/Constituent Data (PCD) is managed within an isolated, zero-trust infrastructure, employing immutable audit logging to meet public sector privacy mandates.

  • Specialist Cross-Training: Our team is cross-trained in FDCPA applicability to governmental debt, Public Records Acts, and utility regulatory frameworks.

  • Forensic Record: A forensically complete engagement record is maintained in real-time, providing an indisputable, court-admissible evidentiary foundation for any subsequent legal action (e.g., tax lien filing or court order enforcement).

Phase 5: Fiduciary Governance & Service Continuity

  • Fiduciary Mandate: MSB operates as an extension of the client’s finance department, prioritizing Fiduciary Governance and upholding public trust above transactional recovery volume.

  • Citizen Access: Secure online portals grant citizens and constituent counsel access to verified account statuses and standardized templates for submitting proposals.

  • Strategic Goal: The final goal is rapid service continuity achieved through authoritative, ethically governed action, professionally restoring the account to good standing and securing vital community revenue.

Turning Debt Challenges into Recovery Opportunities
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Compliance & Highest Professional Standards

Public Records & Open Finance Adherence

Our resolution process is rigidly governed by all state and local Public Records Acts, ensuring our operations align with government transparency mandates and citizen data protection laws. This specialized adherence ensures every recovery action is legally pursued based on the requirements of the relevant jurisdiction.

Regulatory & Citizen Protection Standards

The collection framework operates in full compliance with relevant sections of the FDCPA/TCPA (as applied to governmental debt) and established citizen protection precedents. This provides a robust shield against regulatory exposure while maintaining the highest standard of professional conduct during collection and payment negotiation.

Citizen Data Security & Auditable Protection

We maintain absolute data integrity, managing all sensitive citizen records, service accounts, and financial details under stringent security protocols. Our practices meet or exceed public-sector data protection standards, ensuring secure handling of all sensitive citizen and financial evidence.

National Licensing & Jurisdictional Authority

MSB is fully credentialed, licensed, and secured by comprehensive bonding required for engaging citizens, businesses, and their legal counsel across the nation. This legal authority guarantees transparent and fully compliant operational capability in all major municipal and utility jurisdictions.

Constituent Engagement & Ethical Conduct

Our resolution team adheres to a communication code emphasizing clarity, legal precision, and respectful conduct when dealing with citizens and their representatives. We prioritize equitable negotiation to swiftly resolve outstanding fines, fees, and utility arrears.

Fiduciary Governance & Public Trust Mandate

Strict internal governance categorically bans any aggressive or non-compliant tactics, particularly in fee assessment or citizen correspondence. This commitment ensures all recovery efforts are conducted with unwavering integrity and full fiduciary defensibility, upholding the public trust.

Why Public Service Organizations Trust MSB?

Revenue Stability

We swiftly convert complex public fees, fines, and arrears into reliable, predictable funding for essential infrastructure.

Fiduciary Compliance

Our framework strictly adheres to all state ordinances and public records laws, ensuring auditable, defensible recovery.

Zero-Risk Model

Our pure contingency structure aligns our success with public capital recapture, eliminating upfront financial risk for your agency.

Public Trust Protection

Recovery is conducted with unwavering ethical discretion, securing revenue without compromising constituent relationships.

Auditable Transparency

Real-time, granular reporting provides complete visibility, tracking every action for full government financial review.

Key Benefits of Choosing MSB For Debt Collection

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  • Fiduciary-Level Governance
  • Constituent-Focused Outreach
  • Ordinance-Specific Frameworks
  • Public Data Security Protocols
  • AI-Driven Arrears Prioritization
  • Seamless Budget Reconciliation
  • Interactive Compliance Dashboard
  • Citizen Account Location
  • Equitable Payment Platforms
  • Utility Arrears Analytics

Our Track Record

Average recovery rate
0 %
Day Average
0
Accounts
0
Resolution
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Our Track Record

93%

Average recovery rate

34

Day Average

4,812

Accounts

93%

Resolution

AI & Omnichannel Outreach

At MSB, we leverage cutting-edge artificial intelligence technology to enhance every step of the debt recovery process. Our AI-powered systems analyze debtor behavior, optimize contact timing, and personalize communication strategies to maximize engagement and recovery rates. This data-driven approach ensures that outreach efforts are both efficient and respectful, reducing costs and improving overall success.

Complementing our AI capabilities, MSB employs an omnichannel outreach strategy that connects with debtors through multiple platforms—phone calls, emails, SMS, and secure online portals. This seamless integration allows debtors to choose their preferred method of communication, increasing response rates and fostering positive interactions. Our technology ensures consistent messaging across channels while providing comprehensive tracking and reporting for our clients.

omnichannel reach

What Our Clients Say About Us​

"We needed a solution that recovered revenue but didn't feel like a punitive operation to our residents. MSB achieved both. The transparency in their compliance audits made our finance director incredibly comfortable."
A. Johnson, City Treasurer, Northern California Municipality⭐⭐⭐⭐⭐
"The difference is their specialized legal expertise. They successfully navigated a complex inter-jurisdictional fine recovery we had given up on. Their team genuinely understands governmental accounting cycles."
Michael W., Court Administrator, Regional Justice Authority⭐⭐⭐⭐⭐
"Outstanding experience! They communicate clearly with our constituents and handle disputes strategically, preserving the public's trust in our agency."
Maria S., Administrative Manager, County Court System⭐⭐⭐⭐⭐
"It's about continuity of service. Recovering past-due water bills without generating community backlash is a delicate act. MSB handled the citizen outreach with remarkable, non-aggressive dignity."
Brenda R., Customer Service Director, Large Metro Water Utility⭐⭐⭐⭐⭐
"Before MSB, our reporting was a nightmare of spreadsheets. Now, the real-time dashboard provides the immutable audit trail required by the state auditors. It’s an essential tool for our entire department."
Sean L., Revenue Manager, State University System⭐⭐⭐⭐⭐
"We were concerned about the public perception of outsourcing collections. MSB operates with fiduciary integrity that mirrored our own internal standards. They are a true, trusted extension of our finance team."
Karen F., CFO, Public Housing Authority⭐⭐⭐⭐⭐

More on MSB Testimonials

Frequently Asked Questions

How does MSBureau ensure compliance with public sector regulations and citizen protection laws?

MSBureau operates under a strict Fiduciary Governance Mandate. Our framework exceeds standard commercial debt requirements, adhering rigorously to state and local Public Records Acts, specific municipal ordinances, and relevant sections of the FDCPA/TCPA. Every recovery effort is legally defensible and fully auditable, prioritizing compliance over transactional volume.

We deploy Equitable Outreach Protocols, ensuring all communication is professional, respectful, and transparent. We avoid aggressive tactics, focusing instead on clarifying the service obligation and facilitating equitable resolution options, such as hardship waivers and structured payment plans, to preserve the vital relationship between the agency and its citizens.

We specialize in high-volume public sector receivables, including past-due water, electric, and gas utility bills (arrears resolution); municipal fines, court fees, and licensing fees; public housing debts; and mass transit system obligations. Our focus is exclusively on the complex receivables generated by government and infrastructure entities.

We operate on a Zero-Risk Contingency Model: You Only Pay When We Recover. This structure eliminates all upfront financial risk for the agency, directly aligning our success and recovery efforts with the stabilization and recapture of your public capital budget.

We utilize Purpose-Built Technological Intelligence, including AI-driven portfolio segmentation to identify hardship cases versus intentional delinquency. We provide seamless, secure citizen payment portals and real-time, auditable reporting dashboards essential for government financial reviews.

All Citizen/Constituent Data (PCD) is managed within an isolated, zero-trust infrastructure, employing multi-factor control and immutable audit logging. Our security practices meet or exceed public sector privacy mandates and State-level data protection laws.

The key difference is the legal and ethical mandate. While commercial collections prioritize pure revenue, our municipal recovery prioritizes Fiduciary Governance and Service Continuity. Every action is weighed against the legal requirements of public trust and the preservation of the constituent-agency relationship.

We ensure seamless Budget Reconciliation through auditable, cryptographically secure conduits for capital transfers. Our platform is designed to integrate the resolution status and fund transfers directly back into the appropriate municipal or utility budget line item, simplifying the General Ledger impact.

Contact Our Municipal & Utility Debt Collection Team

Email: client@msbureau.com
Phone: 316-263-1051
Address: 625 W. Maple St., Wichita, KS 67213

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