Bad Debt Outsourcing
Let MSB handle your delinquent accounts while you focus
- No recovery, no fee
- Licensed where required
- HIPAA compliant
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 specialized expertise and collection technology without the overhead.
- Reduce internal collection workload
- Free your team to focus on revenue-generating activities
- Access professional collectors
- Track every account in our client portal
- 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, using the files your EHR or billing software already exports. We support scheduled SFTP file transfers and manual upload for smaller portfolios, and return payment files. Clients with already combined, ready-to-import account data can be live in under 24 hours. Custom file layouts, scheduled SFTP feeds and database exports typically take 5–10 days to set up. The vast majority of clients are online within 4 days.
3. Active Recovery: Our team begins working your accounts with multi-channel contact — phone calls, letters, email, and SMS. We prioritize accounts by balance and age, so 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 and adjusts strategies based on what the data shows — shifting contact timing, adjusting payment plan thresholds, or escalating accounts to legal review when appropriate.
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. Accounts are handled under our HIPAA compliance program; we screen for charity care eligibility per 501(r) requirements, and accept placement files exported from Epic, Cerner, MEDITECH, and other 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.
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
Every engagement is contingency-based: no setup fees, no monthly minimums, and our incentives stay aligned with your recovery.
Contingency-Based
No upfront fees. Contingency placements: you pay only when we collect.
Simple File Exchange
Send the files your billing system already exports; we return status and payment files.
Scalable Solution
Our infrastructure scales with your placements.
Frequently Asked Questions
Not covered here? Call (800) 362-0272 and speak with a specialist.
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.
- Contingency pricing. No setup fees, no monthly minimums.
- Compliance built in. FDCPA, HIPAA, TCPA and state licensing where required.
- Direct answers. Our team answers your questions, and the client portal shows account status and payment history for every placed account.