Skip to content As a trusted veterinary debt collection agency, we prioritise client satisfaction while following strict data privacy and compliance protocols. Our kind, non-aggressive outreach eases the stress of veterinary bills, helping clients feel respected and supported throughout the process.
Unexpected pet care expenses can be overwhelming. That’s why we offer customised payment plans that fit pet owners’ financial circumstances—helping them honour their commitments without feeling burdened. Our goal is to resolve balances while preserving long-term loyalty to your clinic.
Our collections team understands that veterinary care is often tied to emotional situations. We treat every client with empathy, professionalism, and patience—ensuring your clinic’s reputation remains strong while payments are resolved.
MSB leverages AI-powered workflows and veterinary-specific experience to drive results without disrupting your client relationships. Our multi-channel outreach boosts engagement and improves collection outcomes—ethically and efficiently.
We act as an extension of your clinic’s team, managing past-due accounts with minimal disruption. You focus on animal care—we handle the time-consuming work of follow-up, documentation, and recovery.
View every account’s status, activity log, and recovery progress in real time via our secure online portal. Our reporting gives you full visibility into performance, empowering informed financial decisions without added admin burden.
Veterinary clinics provide essential and often emotional care for pets—sometimes in urgent or distressing situations. Asking for payment after treatment can be sensitive. A harsh or impersonal collections process can erode client trust and discourage them from returning for future care.
While veterinary services aren’t covered by HIPAA, clients still expect discretion and professionalism. Compliance with FDCPA and applicable state laws is essential, and even small missteps can damage your clinic’s reputation or lead to legal exposure.
Veterinary teams are often stretched thin—handling appointments, patient care, admin, and billing with limited support. Chasing unpaid invoices adds to the strain and rarely delivers strong results without specialised systems and expertise in place.
Your choice of debt collection partner affects not only your cash flow, but also your relationships with patients. At MSB, we combine industry expertise, technology, and empathy to help you recover more—without compromising the trust you’ve built.
We understand the emotional nature of pet care. Our approach prioritises empathy and diplomacy, keeping your clients feeling respected—not hounded.
From routine check-ups to emergency surgeries, we understand how veterinary billing works—and how to approach clients appropriately after services are rendered.
MSB’s proven collection strategies yield 30%+ recovery on average. Our smart automation and multi-channel outreach keep clients engaged without escalating tension.
We offer easy-to-understand payment options that help pet owners resolve their debts while staying loyal to your clinic.
While HIPAA doesn’t apply to veterinary practices, we uphold similar privacy principles—ensuring your client data is always secure and treated with care.
We accept a variety of file formats and integrate with most practice management systems, making it easy to start collecting within days.
Contact MSB today to discover how our compassionate, efficient, and compliant veterinary debt collection services can strengthen your clinic’s cash flow—without compromising client trust. With MSB, you gain a partner who understands the balance between financial health and empathetic communication.
Experience the difference between simply collecting—and collecting the right way.
Pet owners often face unexpected medical bills for their furry family members. Our team is trained to approach each situation with empathy, focusing on maintaining trust while encouraging resolution.
Through personalised communication—via SMS, phone, email, and mail—we guide pet owners through repayment options that suit their needs. By avoiding aggressive tactics, we help strengthen your relationship with clients even while settling overdue accounts.
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MSB ensures full compliance with the Fair Debt Collection Practices Act (FDCPA) and all applicable state regulations governing veterinary debt recovery. While HIPAA does not apply to veterinary care, we uphold similar standards of confidentiality, data protection, and ethical communication. Our goal is to help you recover revenue without risk, ensuring your clinic remains both compliant and trusted in your community.
MSB ensures full compliance with the Fair Debt Collection Practices Act (FDCPA) and all applicable state regulations governing veterinary debt recovery. While HIPAA does not apply to veterinary care, we uphold similar standards of confidentiality, data protection, and ethical communication. Our goal is to help you recover revenue without risk, ensuring your clinic remains both compliant and trusted in your community.
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.
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We use a respectful, client-friendly approach focused on empathy and understanding. Our communication methods are designed to maintain trust and ensure pet owners feel supported, not pressured—helping preserve long-term loyalty to your clinic.
No, HIPAA does not apply to veterinary services. However, MSB follows strict confidentiality and data protection protocols similar to HIPAA standards, ensuring your client information is always handled securely and professionally.
MSB works with general veterinary clinics, emergency animal hospitals, mobile vets, equine specialists, and nonprofit rescue organisations that offer billed services. We tailor our strategies to match the needs of each practice type.
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Midwest Service Bureau is a Kansas-based debt collection agency specializing in healthcare, commercial, and municipal accounts. With over 30 years of experience, we provide ethical, compliant, and results-driven recovery solutions, including HIPAA and PCI DSS compliance, SOC 2 Type II certification, and a strong focus on preserving client relationships. Trusted across the Midwest for our transparency and performance.
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Midwest Service Bureau, LLC
NMLS ID: 2671949
California License Number: 11599-99
Notice for California Residents:
Under the Rosenthal Fair Debt Collection Practices Act (California) and the federal Fair Debt Collection Practices Act, debt collectors are generally prohibited from contacting you before 8:00 a.m. or after 9:00 p.m. They must not engage in harassment, including threats of violence or arrest, or use obscene or abusive language. Collectors are prohibited from using false or misleading statements or calling your workplace if they know or reasonably should know that your employer does not permit personal calls.
Collectors generally cannot disclose your debt to anyone other than your attorney or spouse. They may, however, contact third parties to confirm your location or enforce a judgment. For further details about your rights and debt collection practices, please contact the Federal Trade Commission at 1-877-FTC-HELP or visit www.ftc.gov
Nonprofit credit counseling services may be available in your local area.
Copyright © 2025 Midwest Service Bureau, LLC (MSB). All Rights Reserved.
This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose.
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