Our Debt Collection Services

Full-Service Debt Collection

Full-service collection covers the whole account. When you place accounts with MSB, we review each account, set its contact strategy, and work it through to voluntary payment or a structured payment plan.

Collectors work accounts by phone, letter, email and text message within Regulation F contact limits, with skip tracing for debtors who have moved. The client portal shows account status and payment history for every placed account. Collections run under MSB's FDCPA, Regulation F, FCRA and HIPAA compliance program.

Consumer Collections

Consumer debt is personal — behind every account is a patient, customer, student, or ratepayer your organization may serve again. MSB's consumer collections practice recovers medical, dental, utility, education, veterinary, and retail balances firmly and effectively, with the empathy and professionalism that keeps your reputation intact.

Consumer collections is the most heavily regulated corner of the receivables industry. Contacts follow the FDCPA, TCPA, CFPB Regulation F, HIPAA where health information is involved, and state-specific rules. Our current numbers are listed on our phone numbers page, with our main line (800) 362-0272 for consumers who want to verify a call. Our collectors offer structured payment plans and screen for financial assistance where appropriate, because a resolved account and a preserved relationship beat a burned bridge.

Commercial Collections

Collecting from a business is nothing like collecting from a consumer. The balances are larger, the disputes are more complex, and the debtor may be a trading partner your client wants to keep. MSB's commercial collections recover unpaid invoices and trade credit balances.

Our commercial collectors prioritize resolution and preserve goodwill between trading partners, with skip tracing when a debtor has moved. Contingency placements: you pay only when we collect.

Bad Debt Outsourcing

Bad debt outsourcing allows organizations to transfer the burden of managing delinquent accounts entirely to MSB's experienced team. Instead of tying up your internal staff, resources, and systems on accounts that have passed beyond your normal follow-up window, you can outsource those accounts to a team that specializes exclusively in recovering difficult receivables.

Our bad debt outsourcing service is designed for organizations that want to offload their aging A/R without maintaining an in-house collections department. We handle everything — from initial debtor contact through payment processing and reporting — so your team can focus on core business operations. We prioritise outsourced accounts by balance and age, so that resources are allocated efficiently and high-value accounts receive priority attention.

The contingency model means you pay nothing for accounts that aren't collected, without the fixed cost of maintaining in-house collection staff.

Self-Pay & Early-Out Recovery

Early-out collection programs intervene in the revenue cycle before patient accounts become delinquent bad debt. MSB's early-out service is specifically designed for healthcare providers — hospitals, physician groups, dental practices, and ambulance services — who want to improve self-pay collection rates while maintaining positive patient relationships.

In a typical early-out engagement, MSB receives patient accounts shortly after insurance adjudication when a self-pay balance remains. Our team contacts patients using your organization's name (first-party branding), explains their financial responsibility, offers payment plan options, and screens for financial assistance programs including charity care, Medicaid, and sliding-scale payment programs. Early-out programs are quoted separately, with flat-fee and hybrid pricing available.

Resolving patient balances early in the cycle reduces the number of accounts that later need third-party collection. MSB's early-out service accepts placement files exported from your EHR and returns payment files for posting to your patient accounting system.

Expert Portfolio Analysis

Not sure if outsourcing your collections makes sense? MSB offers a free, no-obligation review of your accounts receivable before you place anything.

We look at your account data — balance distribution, aging buckets, payer mix and write-off patterns — and recommend which accounts suit early-out, contingency placement, or no placement at all.

The review can also point to billing-workflow or patient-communication changes worth making before accounts reach the outsourced stage, whether or not you place accounts with MSB.