Veterinary Debt Collection Services

MSBureau is a reliable collection agency providing veterinary debt collection services nationwide. We help veterinary clinics recover unpaid balances through ethical outreach, compliance, & proven strategy.

In compliance with:

How MSB Puts Your Veterinary Clients First

Client-Friendly Collections Process

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.

Flexible Payment Solutions

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.

Compassionate Support

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's Commitment to Your Financial Health

Advanced Recovery Solutions

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.

Revenue Cycle Excellence

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.

Complete Transparency

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 debt collection

Veterinary Debt Collection Agency With 55+ Years of Experience

The veterinary field is built on trust and the strong bond between pets and their owners, so financial discussions require care and understanding. MSB provides a practical veterinary debt recovery solution tailored to the animal-care industry, helping practices manage unexpected emergency costs and sensitive pet-related balances. We work with veterinary practices nationwide, offering a respectful and compliant recovery process that helps resolve outstanding accounts while protecting client relationships.

We understand the unique challenges veterinary organizations face, including collecting payment for high, unexpected costs while preserving trust with clients. Our approach is grounded in ethical communication and flexible solutions—not pressure. We develop thoughtful recovery strategies that support your practice’s financial stability while protecting the essential client relationships at the heart of your business.

young happy couple signing document while having meeting with real estate agent office focus is man 637285 2814

MSB follows all consumer protection laws, including the FDCPA, CFPB guidelines, and applicable state regulations. Client data is stored and managed in a secure, encrypted environment. Our communication approach is client-focused and designed for sensitive situations, emphasizing clear, respectful conversations and fair solutions—so your practice is always represented professionally and ethically.

Who We Serve

Small Animal Veterinary Clinics

Specialty Veterinary Hospitals
(e.g., Oncology, Cardiology)

Large Animal & Equine Practices

Corporate Veterinary Groups (VSOs)

Veterinary Emergency & Trauma Centers

Veterinary Surgical Referral Centers

Pet Rehabilitation & Wellness Centers

Animal Shelters & Humane Organizations

Grooming and Boarding Facilities with Integrated Vet Services

Our Veterinary & Animal Care Debt Collection Services

We also offer:

  • Pre-Collection Client Courtesy Reminders
  • Advanced Client Location & Verification Services
  • Litigation Support & Pre-Legal Consultation
  • Customized Client Repayment Architecture
  • Revenue Cycle Optimization Consulting
young happy businesswoman working office while dog is sitting her lap 637285 5431

Our Veterinary Debt Collection Process

MSB understands that financial recovery in the veterinary sector is sensitive, requiring a compassionate, compliance-focused approach. Our 5-Phase Protocol is engineered to efficiently recover outstanding service fees while meticulously protecting your client relationships and practice goodwill.

Phase 1: Precision Intake & Strategic Data Mapping

We begin by securely ingesting client records from your veterinary PMS. Each placement undergoes a rigorous pre-collection review, validating emergency service fees, checking invoicing accuracy, and performing a time-barred claims analysis against consumer statutes. Accounts deemed non-viable (e.g., related to confirmed pet demise) are immediately isolated, focusing all resources solely on collectable debt.

Phase 2: Relationship-Centric Client Outreach

Personalized outreach begins within 24 hours. Pet owners receive a clear and simple explanation of their balance and the available options for resolution. We use secure portals, targeted text messages, and verified correspondence, all in full compliance with consumer protection rules. Our agents are trained to handle sensitive conversations with care and professionalism while strictly following FDCPA guidelines.

Phase 3: Flexible Resolution & Capital Capture

MSB offers a flexible resolution approach with options such as zero-interest payment plans, fair settlements, and coordination with pet insurance payments. All payments are processed through secure, compliant systems and automatically synced to your practice management software, ensuring accurate records and simplified reconciliation.

Phase 4: Regulatory Fidelity & Evidentiary Logics

Sensitive client data is protected in a secure, encrypted environment with strict access controls, ensuring full compliance with all consumer data privacy laws. Our recovery specialists receive ongoing training and certification in federal regulations, including FDCPA and CFPB requirements, as well as applicable local rules.

Phase 5: Practice Brand Stewardship

Professional integrity and clear fee communication are the cornerstone of all dialogue, often involving detailed billing explanations and referrals to financial assistance programs. Dedicated self-service portals empower pet owners to arrange structured repayment plans without needing staff intervention. 

Turning Debt Challenges into Recovery Opportunities
Contact Form

Compliance & Highest Professional Standards

Consumer Protection & FDCPA Adherence

Our collection framework operates in perfect harmony with all FDCPA and CFPB guidelines. This unwavering fidelity to federal consumer protection laws provides a robust shield, eliminating legal and regulatory risk for your practice and upholding the highest standard of ethical conduct in every client interaction.

Client Data Confidentiality & State Privacy

We protect all client financial and personal information with strict security measures. Although HIPAA does not apply to us, our data practices meet or exceed state privacy laws. This ensures complete confidentiality throughout the financial recovery process.

Jurisdictional Authority & National Bond Coverage

MSB is fully credentialed, licensed, and secured by comprehensive financial bonding across every state and jurisdiction we serve. This legal authority guarantees transparent, fully compliant operational capability for all your national veterinary recovery needs.

Proprietary Encryption & Security Architecture

We use enterprise-level security and advanced encryption to protect sensitive client financial and service records. This provides bank-level security for all data shared throughout the recovery process.

Compassionate Client Communication Code

Our recovery team adheres to a communication code emphasizing empathy, clarity, and deep respect for the client-pet bond. We prioritize understanding and professional resolution, ensuring your practice’s crucial reputation and goodwill are actively maintained.

Ethical Governance & Zero-Aggression Mandate

We follow strict internal rules that do not allow aggressive, misleading, or pressuring collection methods. All communication is professional, honest, and respectful. This approach protects your practice’s values and supports compassionate patient relationships.

Why MSB Is a Trused Collection Agency For Veterinary Providers?

Optimized Practice Liquidity

Transforms outstanding client service fees into reliable operating capital, ensuring stable, predictable cash flow for your clinic.

Specialized Recovery Validation

Decades of finance experience deployed via veterinary-specific strategies for superior, measurable, industry-benchmarked outcomes.

Risk-Free Partnership Model

Our pure contingency structure means we only earn when you recover funds, eliminating all upfront financial risk.

Maximized Client Balance Recovery

High recovery rates achieved using advanced analytics, compliant workflows, and compassionate, professional client communication.

Unfiltered Financial Visibility

Real-time dashboard reporting provides granular transparency into every account, optimizing revenue cycle management and decision-making.

Key Benefits of Choosing MSB For Debt Collection

happy freelancers using mobile phone while taking selfie with dog office 637285 2562

Our Track Record

Average recovery rate
0 %
Day Average
0
Accounts
0
Resolution
0 %

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 collection 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​

Frequently Asked Questions

How does MSB's process handle the sensitive nature of veterinary debt?

Our specialized process utilizes compassionate communication scripting that acknowledges the unique client-pet bond and the emotional weight of veterinary costs, especially emergency fees. We prioritize ethical resolution to secure payment while actively preserving your practice’s relationship with the pet owner.

Yes. MSB handles a wide range of accounts. This includes high-cost emergency bills, routine wellness fees, surgical charges, and unpaid balances for specialized care. We support animal-care organizations of all sizes.

Since veterinary practices are not HIPAA-covered entities, MSB focuses on rigorous consumer data privacy standards. We adhere strictly to all state and federal regulations (like FDCPA and CFPB), using encrypted systems and protocols to safeguard all client financial information.

MSB works on a contingency-only basis. You pay a fee only when we successfully recover the owed service fees. Our rates are competitive and based on factors such as account volume and the age of the debt.

Yes. MSB supports seamless data integration with all major veterinary PIMS platforms (such as Cornerstone, Avimark, ezyVet, and equivalents). This enables automated account transfers and real-time reconciliation, streamlining the process for your staff.

We engage pet owners through compliant, multi-channel outreach, including phone, secure client portals, SMS, and formal mailed notices. Our strategy is designed to increase effective contact and facilitate prompt, respectful resolution.

The recovery timeline depends on the balance amount and how responsive the client is. In most cases, our early outreach and validation efforts begin producing results within 30 to 60 days of placement.

Yes. We have specific procedures for handling balances caused by pet insurance shortfalls. We also manage accounts related to care provided before a pet’s passing. In all cases, we act with sensitivity, professionalism, and full compliance.

Contact Form