Debt Collection Services
Maximize your debt recovery with MSB's proven collection strategies across healthcare, commercial, and municipal sectors.
Full-Service Debt Recovery
Midwest Service Bureau provides comprehensive debt collection services for organizations across all industries. Our proven 3-phase approach ensures maximum recovery while maintaining compliance with all federal and state regulations.
We handle the entire collection lifecycle — from initial contact through resolution — so you can focus on running your business. Since 1970, MSB has recovered millions in outstanding balances for hospitals, physician practices, commercial businesses, municipalities, and educational institutions. Our team of over 35 dedicated professionals operates from our Wichita, Kansas headquarters, serving clients in all 50 states with a 93% client retention rate that reflects the consistency of our results and the strength of our client partnerships.
- First-party and third-party collection services
- Skip tracing and debtor location services
- Payment plan negotiation and management
- Compliance monitoring and reporting
- Real-time online account access
Our 3-Phase Collection Process
Phase 1: Account Review & Validation
Every account undergoes thorough review and validation. We verify debtor information, confirm balances, and develop a customized collection strategy.
Phase 2: Debtor Communication & Engagement
Our trained professionals use a multi-channel approach — phone calls, letters, email, and SMS — to reach debtors at optimal times. Our AI system determines the best contact strategy for each account.
Phase 3: Resolution & Payment Processing
We work with debtors to find mutually agreeable payment solutions, including lump-sum settlements and flexible payment plans. All payments are processed securely and remitted promptly.
Advanced Technology for Better Results
Our AI-driven collection system sets us apart from traditional agencies. We leverage machine learning, predictive analytics, and automated workflows to optimize every aspect of the collection process. Technology alone does not collect debts — but the right technology in the hands of experienced collectors produces measurably better outcomes than either could achieve independently. MSB invests continuously in our collection infrastructure to ensure our clients benefit from the latest tools and techniques without bearing the technology cost themselves.
- Predictive Scoring: AI analyzes debtor profiles to predict likelihood of payment and optimal contact strategies
- Automated Workflows: Streamlined processes ensure no account falls through the cracks
- Real-Time Reporting: 24/7 access to account status, recovery metrics, and performance dashboards
- EHR Integration: Seamless connection with Epic, Cerner, MEDITECH, athenahealth, and other systems
Our secure client portal gives you round-the-clock visibility into account activity, payment status, and aggregate performance metrics. You can generate custom reports by account type, age, balance range, or placement date — putting the data you need at your fingertips without waiting for monthly summaries or scheduled calls.
Key Benefits
No Recovery, No Fee
We work on a contingency basis. You only pay when we successfully collect — aligning our goals with yours.
HIPAA Compliant
Full HIPAA compliance for healthcare accounts. Your patients' data is protected at every step.
Licensed Nationwide
Licensed and bonded in all 50 states. We can collect on accounts regardless of debtor location.
55+ Years Experience
Since 1970, we've been refining our collection processes for maximum effectiveness.
Dedicated Account Manager
Every client gets a personal account manager for responsive, personalized service.
Real-Time Reporting
Access your account status 24/7 through our secure online portal.
Frequently Asked Questions
We charge a percentage of the amount collected. You only pay when we successfully recover funds. The specific rate depends on the volume and age of accounts placed.
We can begin working on your accounts within 24-48 hours of placement. Our streamlined onboarding process ensures a fast start.
We collect all types of consumer and commercial debt including medical, dental, education, utility, government, real estate, and B2B accounts.
We maintain strict compliance with FDCPA, HIPAA, TCPA, and all state-specific regulations. Our team undergoes regular compliance training and our processes are audited continuously.
Ready to Get Started?
Contact us today for a free consultation and learn how our services can help your organization recover more.