Consumer Collections
Respectful recovery of consumer balances under our compliance program — designed to collect what's owed while protecting the relationships and reputation you've built.
- No recovery, no fee
- Licensed where required
- HIPAA compliant
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
- Retail and service accounts
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.
Compliance Is the Foundation
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 the state-specific rules that govern each account's jurisdiction — we are licensed and bonded where required.
Transparency is part of that commitment. The numbers MSB currently uses are listed on our phone numbers page, and consumers can verify any call at (800) 362-0272. 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 handled under a documented compliance program: dedicated staff, call review, and Regulation F controls.
How Consumer Placement Works
1. Place your accounts: Send consumer accounts through our secure portal, SFTP, or a scheduled billing-system export. Onboarding is white-glove and free. 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.
2. Account review: We review each account and set 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.
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 placements: you pay only when we collect. No setup fees, no monthly minimums; early-out and first-party programs can be priced flat-fee or hybrid.
Relationship-Safe Approach
Empathetic, professional contact with payment plans and assistance screening — consumers are treated the way you would treat them.
Published & Verifiable
Our current numbers are listed on our phone numbers page, and (800) 362-0272 verifies any call — protecting your brand from scam confusion.
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, 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. 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.
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.