Collection services
Consumer Collections
Respectful, fully compliant recovery of consumer balances — designed to collect what's owed while protecting the relationships and reputation you've built.
- No recovery, no fee
- Licensed where required
- HIPAA compliant
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Consumer Collections Done Right
Consumer debt is personal. Behind every account is a patient, a customer, a student, or a ratepayer — someone your organization may serve again. MSB's consumer collections practice is built on that reality: we recover balances firmly and effectively, but with the empathy and professionalism that keeps your reputation intact.
- Medical, dental, and veterinary patient balances
- Utility bills for municipal and cooperative providers
- Tuition, housing, and fees for educational institutions
- Rent, HOA dues, and property-related consumer balances
- Retail and service accounts of every size
Our collectors are trained in empathetic, solution-oriented communication — offering structured payment plans and screening for financial assistance programs where appropriate — because a resolved account and a preserved relationship are worth more than a burned bridge.
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Compliance Is the Foundation
Consumer collections is the most heavily regulated corner of the receivables industry, and it's where MSB's 55+ years of experience matter most. Every contact we make complies with the FDCPA, TCPA, CFPB Regulation F, HIPAA where health information is involved, and the state-specific rules that govern each account's jurisdiction — we are licensed and bonded where required.
Transparency is part of that commitment. Every phone number MSB calls from is published on our phone numbers page, so consumers can verify a call is legitimate before they ever pick up. Disputes and validation requests are handled promptly and by the book, and our verification & support team is a phone call away.
For our clients, that discipline means recovered revenue without regulatory exposure — zero regulatory actions in over five decades of operation.
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How Consumer Placement Works
1. Place your accounts: Send consumer accounts through our secure portal, SFTP, or direct billing-system integration. Onboarding is white-glove and free. Clients with already combined, ready-to-import account data can be live in under 24 hours. Advanced EHR integrations such as Epic, custom files, and database integrations typically take 5–10 days. The vast majority of clients are online within 4 days.
2. Smart segmentation: Our AI platform scores each account by payment probability and selects the right contact strategy and cadence for each consumer.
3. Respectful outreach: Multi-channel contact — phone, letter, email, and text — using professional, compliant language designed to encourage voluntary resolution.
4. Resolution & remittance: Full payments, structured plans, or negotiated settlements within your approved parameters, with regular remittance and account-level reporting throughout.
Why it works
Key Benefits
Every engagement is contingency-based: no setup fees, no monthly minimums, and our incentives stay aligned with your recovery.
No Recovery, No Fee
Contingency-based pricing on every consumer account. No setup fees, no monthly minimums — you pay only when we collect.
Relationship-Safe Approach
Empathetic, professional contact with payment plans and assistance screening — consumers are treated the way you would treat them.
Published & Verifiable
Every number we call from is published so consumers can confirm it's really MSB — protecting your brand from scam confusion.
Questions
Frequently Asked Questions
Not covered here? Call (800) 362-0272 and speak with a specialist.
Medical and dental patient balances, utility bills, tuition and student accounts, veterinary bills, rent and HOA dues, and retail or service balances — at any stage of delinquency.
Yes. Our collectors are trained in empathetic, solution-focused communication and every contact is fully FDCPA, TCPA, and Regulation F compliant. Many clients tell us consumers have thanked them for how professionally their account was handled.
Onboarding is white-glove and free. Clients with already combined, ready-to-import account data can be live in under 24 hours. Advanced EHR integrations such as Epic, custom files, and database integrations typically take 5–10 days. The vast majority of clients are online within 4 days.
Get started
Ready to Get Started?
Contact us today for a free consultation and learn how our services can help your organization recover more.
- Contingency pricing. No setup fees, no monthly minimums.
- Compliance built in. FDCPA, HIPAA, TCPA and state licensing where required.
- A dedicated account manager. One person who knows your file, your team, and your timeline.