With more than 55 years of experience, we provide professional, compliant, and results-driven debt collection services for medical, commercial, dental, and other major industries across the United States.
MSB is a nationally trusted debt collection agency delivering reliable recovery solutions to businesses across the United States. With over 55 years of industry experience, we combine seasoned expertise with a nationwide footprint to recover outstanding receivables efficiently and respectfully.
Our team adheres to strict professional standards and full compliance with federal and state regulations—protecting your reputation while maximizing returns. Using proven processes, secure technology, and ethical collection practices, MSB consistently achieves industry-leading recovery outcomes for medical, commercial, municipal, and specialty accounts. Partner with us for compliant, transparent, and measurable results.
Medical Debt Collection
Dental Debt Collection
Commercial Debt Collection
Educational Debt Collection
Veterinary Debt Collection
Real Estate Debt Collection
Municipal & Utility Debt Collection
Workers’ Comp Debt Collection
Our strategic collection model is engineered to maximize recovery across all industries we serve—including municipal, utility, healthcare, commercial, and government accounts—while fully adapting to each debt type’s unique regulatory and operational requirements.
This stage focuses on prompt, compliant communication tailored to the specific debt category. Whether it involves service-related notices, healthcare billing reminders, commercial account statements, or government-required notifications, our early engagement approach resolves approximately 40–50% of accounts before escalation is needed.
We conduct persistent but respectful outreach using strategies matched to the nature of each debt type. From hardship evaluation for utilities, to insurance clarification in healthcare, to documentation review for B2B clients, we tailor our negotiation approach to the underlying cause of delinquency. This phase secures an additional 25–35% in recoveries.
At this stage, MSB employs formal notice procedures appropriate for each industry and jurisdiction. This may include final billing reminders, commercial demand letters, regulatory notices, or consumer-compliant collection communications. By reinforcing the seriousness of the obligation while staying aligned with all federal and state requirements, we achieve another 8–12% recovery.
For the remaining accounts, we perform a legal viability evaluation based on documentation strength, debtor profile, asset indicators, and applicable statutes of limitation—which vary by debt type and state. When litigation is appropriate, we pursue the final recoverable segment; when not, we apply long-term, compliance-based recovery strategies to maximize outcomes.
✓ FDCPA compliant
We follow all requirements of the Fair Debt Collection Practices Act, ensuring respectful communication, lawful practices, and consumer protections throughout every collection effort.
✓ HIPAA compliant for medical collections
For healthcare-related accounts, we maintain strict confidentiality protocols and safeguard all Protected Health Information (PHI) in full accordance with HIPAA.
✓ State-by-state regulations
We operate with complete awareness of each state’s unique collection laws, adjusting processes to meet local notice requirements, communication rules, licensing, and compliance standards.
✓ Licensed & bonded nationwide
Our agency maintains all required state licenses and surety bonds across the U.S., ensuring legal authority to collect and demonstrating financial accountability.
✓ Data security & privacy protection
We use secure systems, encryption, access controls, and continuous monitoring to protect consumer data and maintain the highest standards of privacy and cybersecurity.
✓ Multi-Channel Patient Outreach
We connect with patients through phone, email, SMS, and mail to increase engagement and maximize successful recovery outcomes.
✓ AI-Driven Mapping Software
Our advanced AI technology helps locate debtors quickly and accurately, improving recovery speed and overall collection efficiency.
✓ Data Security
We safeguard all client and consumer information with industry-leading encryption, secure servers, and strict access controls.
✓ Automated Payment Terms Setup
Our system streamlines payment arrangements, making it easier for consumers to pay and improving recovery rates.
✓ Nationwide Licensed & Bonded Services
MSB operates legally in all 50 states, ensuring full compliance with state and federal regulations.
✓ Industry-Specific Collection Expertise
From medical to commercial, municipal, and real estate debt, our specialists understand industry rules and requirements to ensure effective and compliant recovery strategies.
Discover the experiences of our satisfied clients. Hear firsthand Midwest Service Bureau Reviews on how MSB has delivered reliable, results-driven solutions that make a real difference.
MSB follows a streamlined, compliant workflow that begins with account validation, followed by multi-channel outreach using phone, mail, email, or SMS. We negotiate payment arrangements, process payments securely, and provide transparent reporting throughout the recovery cycle.
We use a contingency-based model, meaning you only pay when we successfully collect. Pricing varies by volume, account type, and program requirements, and is finalized in your service agreement.
Yes. MSB operates in full compliance with all relevant state and federal regulations, including the FDCPA and FCRA. For healthcare clients, we maintain strict data-security standards consistent with HIPAA-level safeguards.
We can begin shortly after we receive and validate your account data. In most cases, initial contact attempts can begin within 24 hours.
Yes. MSB provides nationwide coverage and maintains multi-state compliance, allowing us to manage accounts from any state across the U.S.
We take a respectful, patient-sensitive approach focused on maintaining positive relationships. Our team communicates professionally, ethically, and with strict confidentiality, ensuring your customers or patients are treated with dignity throughout the process.
Ready to improve your commercial organization’s revenue cycle? Contact our specialists today.
Email: client@msbureau.com
Phone: 316-263-1051
Address: 625 W. Maple St., Wichita, KS 67213