Why Outsource Your Bad Debt?
Managing delinquent accounts internally drains resources, distracts your team, and often yields poor results. By outsourcing to MSB, you gain access to specialized expertise, advanced technology, and proven collection strategies — all without the overhead.
- Reduce internal collection costs by up to 60%
- Free your team to focus on revenue-generating activities
- Access professional collectors with decades of experience
- Leverage AI-driven technology for optimized recovery
- Maintain compliance without the regulatory burden
Our Outsourcing Process
Transitioning your bad debt to MSB is seamless. We handle everything from initial setup to ongoing reporting.
1. Account Analysis: We review your current portfolio and develop a customized recovery strategy. This includes aging analysis, debtor demographic profiling, and identification of accounts with the highest recovery probability so we can prioritize effectively from day one.
2. Data Integration: Secure transfer of account data through our encrypted systems, with EHR/billing software integration. We support automated file transfers via SFTP, direct API connections with major billing platforms, and manual upload for smaller portfolios. Most clients are fully onboarded within 5-7 business days.
3. Active Recovery: Our team begins working your accounts using proven multi-channel collection strategies — including phone calls, letters, email, and SMS. Our AI-driven scoring model prioritizes accounts by likelihood of recovery, ensuring your highest-value accounts receive immediate attention. Collectors follow customized scripts tailored to your industry and debtor demographics.
4. Reporting & Remittance: Regular performance reports and prompt payment remittance keep you informed. You receive monthly liquidation reports, aging summaries, and account-level detail through our secure online portal. Remittance is processed on a regular schedule — typically monthly or bi-weekly depending on your preference.
5. Ongoing Optimization: We do not set it and forget it. Our team reviews portfolio performance quarterly and adjusts strategies based on what the data shows — shifting contact timing, adjusting payment plan thresholds, or escalating accounts to legal review when appropriate. Clients who stay with MSB long-term consistently see improvement in recovery rates as we refine our approach to their specific account mix.
Industries We Serve
Our bad debt outsourcing services are tailored to meet the specific needs of various industries. Each sector has its own billing patterns, regulatory requirements, and debtor demographics — and we adjust our approach accordingly rather than applying a generic collections playbook.
- Healthcare: Hospital systems, physician practices, dental offices, and specialty clinics. We maintain full HIPAA compliance, screen for charity care eligibility per 501(r) requirements, and integrate with Epic, Cerner, MEDITECH, and other major EHR platforms.
- Commercial: B2B accounts receivable and trade credit recovery. Our commercial collections team understands trade credit, UCC filings, and the business relationship dynamics that affect B2B recovery outcomes.
- Government: Municipal courts, utilities, and government agencies. We understand the public perception sensitivity of government collections and structure our outreach to maintain community trust.
- Education: Universities, colleges, and vocational schools. FERPA compliance, tuition recovery, and student communication require specialized expertise that generic agencies lack.
- Real Estate: Property management companies and HOAs. We recover unpaid rent, HOA assessments, and management fees while navigating state-specific landlord-tenant laws.
If your industry is not listed above, contact us — MSB has the flexibility and experience to develop a customized bad debt recovery program for virtually any account type.
Key Benefits
Contingency-Based
No upfront fees. We only get paid when we collect. Zero financial risk for your organization.
Seamless Integration
We integrate directly with your billing system for automated account placement and real-time status updates.
Scalable Solution
Whether you have 10 accounts or 10,000, our infrastructure scales to handle any volume efficiently.
Frequently Asked Questions
Accounts that are 90+ days past due are typically ideal for outsourcing. However, we can work with accounts at any stage of delinquency.
We prioritize professionalism and respect in every interaction. Our approach is designed to preserve your relationships while recovering what is owed.
Contact us for a free consultation. We will analyze your current portfolio and provide a customized proposal within 48 hours.
Ready to Get Started?
Contact us today for a free consultation and learn how our services can help your organization recover more.