Trusted Debt Collection Agency

MSB is a reliable collection agency providing nationwide debt collection services for medical, commercial, dental, and other industries. We partner with businesses across the United States to improve cash flow through proven recovery solutions.

Debt Recovery Services With 55+ Years of Experience

MSBureau is a trusted collection agency providing effective debt collection services across the United States. With over 55 years of experience, we help companies recover unpaid balances with our proven strategies. Our team partners with businesses of all sizes and across multiple industries to improve cash flow and reduce aging accounts.

We use customized debt recovery strategies that focus on results while protecting your brand and customer relationships. Every account is handled with care, accuracy, and professionalism. Clear communication and ethical outreach are at the core of our process.

MSBureau has built a strong reputation as a trusted collection agency. We follow all federal and state regulations and remain fully compliant at every stage of collection. Our long history of success reflects our commitment to integrity, performance, and reliable service for businesses nationwide.

aca
HIPAA logo
bbb

Our Proven Debt Collection Process

Phase 1: Initial Compliance & Early Outreach (Days 1–40)

This stage focuses on prompt, compliant communication tailored to the specific debt category. Whether it involves service-related notices, medical billing reminders, commercial account statements, or government-required notifications. Our early engagement approach resolves approximately 40–50% of accounts before escalation is needed.

Phase 2: Focused Outreach & Negotiation (Days 41–70)

We conduct persistent but respectful outreach using strategies matched to the nature of each debt type. From hardship evaluation for utilities, to insurance clarification in healthcare, to documentation review for B2B clients. we tailor our negotiation approach to the underlying cause of delinquency. This phase secures an additional 25–35% in recoveries.

Phase 3: Formal Escalation & Statutory Notice (Days 71–100)

At this stage, MSB sends formal notices based on the industry and location. These may include final billing notices, demand letters, regulatory notices, or compliant collection communications. All outreach follows federal and state laws. This step helps reinforce the seriousness of the balance and typically increases recovery by an additional 8–12%.

Phase 4: Legal Review & Final Recovery (Day 101+)

For the remaining accounts, we review whether legal action is possible. We evaluate documentation, debtor history, available assets, and the statute of limitations, which varies by state and debt type. If litigation makes sense, we pursue the recoverable portion. If not, we apply long-term, compliant recovery strategies to improve results.

Turning Debt Challenges into Recovery Opportunities
Contact Form

What Makes MSB a Trusted Debt Collection Agency?

Improved Cash Flow

MSB strengthens your revenue cycle by recovering past-due accounts quickly and professionally. We help your business maintain steady and predictable cash flow.

You Only Pay When We Recover

We operate on a results-driven, contingency-based model. There are no upfront fees or risks—you pay only when we successfully collect for you.

Proven Recovery Results

With over 55 years of experience, our strategic methods, industry expertise, and advanced tools consistently deliver strong recovery outcomes across all sectors.

Compassionate, Patient-Centered Approach

We value respectful communication. Our team uses ethical, empathetic collection practices that protect your brand reputation and maintain positive customer relationships.

Transparent Reporting & Real-Time Tracking

Our secure client portal provides full visibility into every account. You can track updates, monitor progress, and review reports anytime with complete transparency.

Compliance & Highest Professional Standards

FDCPA compliant
We follow all requirements of the Fair Debt Collection Practices Act. We ensure respectful communication, lawful practices, and consumer protections throughout every billing collection effort.

HIPAA compliant for medical debt collections
For healthcare-related accounts, we maintain strict confidentiality protocols and safeguard all Protected Health Information (PHI) in full accordance with HIPAA.

State-by-state regulations
We operate with complete awareness of each state’s unique collection laws. We adjust processes to meet local notice requirements, communication rules, licensing, and compliance standards.

Licensed & bonded nationwide
Our debt collection agency maintains all required state licenses and surety bonds across the U.S. We ensure legal authority to collect and demonstrate financial accountability. 

Data security & privacy protection
 We use secure systems, encryption, access controls, and continuous monitoring to protect consumer data and maintain the highest standards of privacy and cybersecurity.

Our Track Record

Average recovery rate
0 %
Day Average
0
Accounts
0
Resolution
0 %

Our Track Record

93%

Average recovery rate

34

Day Average

4,812

Accounts

93%

Resolution

Key Benefits of Choosing MSB for Debt Recovery

✓ Multi-Channel Patient Outreach
We connect with patients through phone, email, SMS, and mail to increase engagement and maximize successful recovery outcomes.

✓ AI-Driven Mapping Software
Our advanced AI technology helps locate debtors quickly and accurately. We improve recovery speed and overall collection efficiency.

✓ Data Security
We safeguard all client and consumer information with industry-leading encryption, secure servers, and strict access controls.

✓ Automated Payment Terms Setup
Our system streamlines payment arrangements, making it easier for consumers to pay and improving recovery rates.

✓ Nationwide Licensed & Bonded Services
MSB operates legally in all 50 states, ensuring full compliance with state and federal regulations.

✓ Industry-Specific Collection Expertise
From medical to commercial, municipal, and real estate debt, our specialists understand industry rules and requirements to ensure effective and compliant recovery strategies.

What Our Client Say About MSB

Center for Same Day Surgery
Midwest Service Bureau is a company that truly looks out for the greater good of their client. They want to see their clients thrive, even if that means they do not make a profit. Any time I have ever had a question I call Midwest and they have the answer. Any time I have needed advice they have been there for me and have guided me through the process. Their customer service is outstanding and their work ethic is even better! I couldn’t imagine a time when I wouldn’t need them.
Advanced/Preferred Physical Therapy
The team at Midwest Service Bureau has earned our trust for over 10 years based on their service, results, performance, and rates and that’s why they will continue to receive all our collection business. They deliver excellent customer service with quick responses, unlimited willingness to lend their assistance, ethical work values, and even training seminars that provide us with other processes and tools to reduce our collections activity. On top of that, I enjoy the relationships I have made with the people of MSB over the years. I have no reservation in recommending Midwest Service Bureau to others.
Earnest Heat & Air, Inc.
We have been doing business with Midwest Service Bureau for a while now. They have an extremely high recovery rate. They are always right on top of things, and get the job done. We have other credit services calling us but, we always tell them that we are happy with who we are using. We would highly recommend them to anyone.
Inspire ENT & Pulmonology
Our office has had a great experience with Midwest Service Bureau. The staff is very helpful and knowledgeable, always available to answer questions. Our representative comes into our office once a month to check in and see how things are going for us. If we have any questions or issues they take the time to get them resolved. Midwest also offers training for the staff. We did take advantage of this opportunity and it was very helpful to the staff members that had no previous experience with collections. Through the training, the front office staff learned what information they should be gathering and the importance of it. I would highly recommend Midwest Service Bureau if you are looking for a collection agency.
Debbie P. Collection Manager
I have been employed with Sunflower Bank for over 20 years as the collection manager, and during that time have dealt with Midwest Service Bureau, LLC regarding collection accounts to include credit cards, loans, and deposit accounts. I have also dealt with them prior to coming to Sunflower Bank when I worked for GMAC out of Wichita, KS for roughly ten years. Micki Kell who is the President of this organization and her staff have provided wonderful customer service the entire time. A representative from the organization always contacted us in person once a month, and the face-to-face contact was always greatly appreciated. Their staff was always available to answer any questions or address any concerns we had. Their software program was very user friendly and make it an easy way to communicate regarding accounts. I would definitely recommend this organization if you are looking for a company to handle your collection accounts.

Frequently Asked Questions

How does your debt collection process work?

MSB follows a streamlined, compliant workflow that begins with account validation, followed by multi-channel outreach using phone, mail, email, or SMS. We negotiate payment arrangements, process payments securely, and provide transparent reporting throughout the recovery cycle. 

We use a contingency-based model, meaning you only pay when we successfully collect. Pricing varies by volume, account type, and program requirements, and is finalized in your service agreement. 

Yes. MSB operates in full compliance with all relevant state and federal regulations, including the FDCPA and FCRA. For healthcare clients, we maintain strict data-security standards consistent with HIPAA-level safeguards.

We can begin shortly after we receive and validate your account data. In most cases, initial contact attempts can begin within 24 hours.

Yes. MSB provides nationwide coverage and maintains multi-state compliance, allowing us to manage accounts from any state across the U.S.

We take a respectful, patient-sensitive approach focused on maintaining positive relationships. Our team communicates professionally, ethically, and with strict confidentiality, ensuring your customers or patients are treated with dignity throughout the process. 

Contact Our Expert Team Today

Email: client@msbureau.com
Phone: 316-263-1051
Address: 625 W. Maple St., Wichita, KS 67213

Contact Form