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Municipal Collection Services & Utility Debt Recovery

MSB is a top-rated collection agency providing municipal collection services and utility debt recovery. We help cities and public agencies recover unpaid balances through compliant and efficient processes.

In compliance with:
  • FDCPA Reg F
  • TCPA
  • UCC - State Commercial Law
  • PCI DSS
  • Only Pay When We Recover
  • 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. It makes the process straightforward for citizens.

Citizen Support Resources

Our utility debt collection 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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municipal & utility debt collection

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

For over five decades, MSBureau has supported essential public services across the nation. We help stabilize government revenue and funding for critical infrastructure. Our utility debt collection team works closely with utility providers, municipal agencies, transit authorities, and other public sector organizations. We specialize in managing high-volume and complex accounts. We do more than collect past-due balances. We build sustainable recovery programs that protect public funds while maintaining public trust and strong community relationships.

Fiduciary compliance is central to how MSB operates. It is not a separate function, but a core responsibility. We follow all state and local laws, applicable CFPB guidelines, and strict public-sector licensing requirements. Every debt recovery action is handled ethically, securely, and professionally. We use strong data protection standards comparable to CISPA and HIPAA. This approach protects the agency’s public reputation. Our communication is compliance-first, clear, respectful, and transparent. It helps maximize recovery while minimizing friction with citizens.

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We also improve revenue recovery through modern technology built for public finance. Our system uses smart data analysis to separate financial hardship cases from true delinquency. We offer secure and easy payment portals. We provide real-time, auditable reports for full accountability. Together, these tools speed up the municipal collection process. Public service organizations across the country trust MSB for collection services that are accurate, compliant, and essential for supporting community investment.

Who We Serve

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. We avoid 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 and constituent data is stored in a secure, isolated system. We use zero-trust controls and audit logs to meet public sector privacy requirements.

  • Specialist Cross- Our team is trained in FDCPA rules related to government debt, public records laws, and utility regulations.

  • Forensic Record: We keep complete and accurate records in real time. These records are court-ready and can support legal actions such as tax liens or court orders if needed.

Phase 5: Fiduciary Governance & Service Continuity

  • Fiduciary Mandate: MSB operates as an extension of the client’s finance department. We place fiduciary governance and public trust above recovery volume.

  • Citizen Access: Secure online portals allow citizens and authorized representatives to view verified account details and submit payment proposals using standardized forms.

  • Strategic Goal: Our goal is to restore accounts to good standing quickly and ethically. This ensures service continuity and protects essential revenue for the community.

Turning Debt Challenges into Recovery Opportunities
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Compliance & Highest Professional Standards

Public Records & Open Finance Adherence

Our resolution process follows all state and local Public Records Acts. This ensures full transparency and proper protection of citizen data. Every recovery action follows the legal rules of the specific 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 debt collection and payment negotiation.

Citizen Data Security & Auditable Protection

We protect all sensitive citizen and account data with strict security controls. Our systems meet or exceed public-sector data protection standards. This ensures safe handling of all financial and service records.

National Licensing & Jurisdictional Authority

MSB is fully licensed, credentialed, and bonded nationwide. This allows us to work legally and transparently with citizens, businesses, and legal counsel across all major municipal and utility jurisdictions.

Constituent Engagement & Ethical Conduct

Our resolution team follows a clear and respectful communication code when working with citizens and their representatives. We focus on legal accuracy, transparency, and fair negotiation to resolve unpaid fines, fees, and utility balances efficiently.

Fiduciary Governance & Public Trust Mandate

We strictly prohibit any aggressive or non-compliant practices, especially in fee assessment or citizen communication. Every utility debt collection effort is conducted with integrity, full compliance, and strong fiduciary responsibility to protect and uphold public trust.

Why Public Service Organizations Trust MSB?

Improved Cash Flow

Our effective recovery strategies help municipalities and utility providers reduce unpaid balances and maintain steady, predictable revenue streams.

Fiduciary Compliance

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

You Only Pay When We Recover

We operate on a performance-based model, meaning there are no upfront costs—you pay only when we successfully recover outstanding balances.

Public Trust Protection

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

Transparent & Real-Time Reporting

Clients receive clear reporting, real-time account updates, and full visibility into collection progress and recovery performance.

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 Strategies

At MSB, we use advanced AI technology to improve every step of the municipal debt recovery process. Our systems study payment behavior, choose the best time to make contact, and adjust messages to improve response and recovery rates. This approach helps us work more efficiently while staying professional and respectful.

 

We also use an omnichannel outreach strategy. This means we contact debtors through phone calls, emails, text messages, and secure online portals. Debtors can respond using the method they prefer, which increases engagement and speeds up resolution. All communication is consistent, and our clients receive clear tracking and detailed reports on account activity.

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.

We follow fair outreach practices in all communications. Every interaction is professional, respectful, and transparent. We do not use aggressive tactics. Instead, we explain the obligation clearly and offer fair solutions, such as hardship waivers and structured payment plans. Our goal is to protect the relationship between public agencies and the people they serve.

We specialize in high-volume public sector receivables. This includes past-due water, electric, and gas utility bills; municipal fines, court and licensing fees; public housing debts; and mass transit obligations. Our work focuses only on complex receivables from government and infrastructure agencies.

We operate on a zero-risk contingency model—you only pay when we recover funds. There are no upfront costs for the agency. This approach aligns our success with your goal of stabilizing and recovering public funds.

We utilize Purpose-Built Technological Intelligence, including AI-driven portfolio segmentation to identify hardship cases versus intentional delinquency.

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 our legal and ethical responsibility. Unlike commercial collections that focus only on revenue, our municipal recovery approach prioritizes public trust and service continuity. Every action we take respects legal requirements and protects the relationship between agencies and their constituents.

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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