Network Members

Members

Below is a list of companies within The Fed Cetera Network, including a brief summary about each, their location, and columns indicating their socioeconomic statuses.

Access Receivables

Access Receivables is licensed nationally with ED subcontracting experience. It is a GSA-approved contractor in business SINCE 1999. The management team has experience and expertise in managing the ED project as well as deploying other large, sophisticated contracts. The owners have owned two agencies over the past 30 years and have grown both from start-ups. Access is a leader in innovative technology. Tom Gillespie, president, holds a patent on an AVATAR-based virtual agent that is part of the company’s ongoing “Nice People Collect More” approach. The company utilizes the best available technology in telephony, systems, security and compliance to achieve its goals. Over 50% of business is dedicated to higher education. Many of the company’s supervisors and collectors have ED and other Federal student loan experience. The company has consistently won awards for its growth, employment practices, and innovations.

Hunt Valley, MD

Small Biz

SDB

WOSB

HUBZone

SDVOSB

Advanced Financial Company

AFC, located in Carlsbad, CA, has been providing comprehensive collection services since 1990. We have been awarded a U.S. General Services Administration (GSA) contract under Special Item Number 520-4 and 520-5. We are a member of ACA International and a BBB-accredited business with an A+ rating, independently audited for adherence to the AICPA’s Statement on Standards for Attestation Engagements (SSAE) No. 16 Type II. Our recent annual audit had no exceptions.

Carlsbad, CA

Small Biz

SDB

WOSB

HUBZone

SDVOSB

Alpat Company

Alpat Company is licensed and bonded throughout the United States. Alpat Company’s security program to protect private information is one of the most stringent in the business and is tested by clients and auditors at least twice yearly. All procedures are documented and employees are trained and tested annually. Alpat Company continuously upgrades its collection system software and works with one of the top collection software companies in the business to take advantage of the latest technology. Al Thonn, the President of Alpat Company, is active in the collection industry and currently sits as President of the Louisiana Collectors Association, the state chapter of the ACA International.

Slidell, LA

Small Biz

SDB

WOSB

HUBZone

SDVOSB

AR Resources

AR Resources, located in Blue Bell, Pennsylvania is a full-service collection agency that assists Colleges and Universities with their past due accounts. Our dedicated Education Department representatives provide excellent customer service and results for our higher education clients. Our staff is well trained in collecting education receivables and knowledgeable in all federal and state applicable regulations.

Blue Bell, PA

Small Biz

SDB

WOSB

HUBZone

SDVOSB

BC Services

Nationally licensed, BC Services has recently completed a 14,000 square foot expansion of its corporate headquarters located in Longmont, CO. The expansion has helped to streamline efficiency and compliance, and provides additional capacity to expand for our current and future client needs. Since the expansion, BC Services has seen a 15% increase in revenue, and a 30% increase in client recoveries to over $50 million dollars. Over the past year, BC Services has also added 100 new clients for a 15% increase in listings at over half a billion dollars.

Longmont, CO

Small Biz

SDB

WOSB

HUBZone

SDVOSB

Cedar Financial

Since 1991, Cedar Financial has been providing world-class debt management solutions to our clients. Cedar Financal maintains an excellent standing with the Better Business Bureau and is a member of ACA International. We are continuously striving to deliver exemplary performance and outstanding customer service. We are now licensed in Illinois, Minnesota, and North Dakota.

Calabasas, CA

Small Biz

SDB

WOSB

HUBZone

SDVOSB

Choice Recovery

Choice Recovery, based in Columbus, Ohio since 1997, is able to collect nationwide and currently represents over 5,000 clients nationally. Recognition of our commitment to excellence was provided by publications that include InsideArm (Best Places to Work in Collections 2013 & 2014) and Columbus CEO (Top Workplaces 2013, 2014 & 2015). On an individual level, all of our of more than 60 employees graduated from the Dale Carnegie Leadership course and now work with an executive leadership program called Built to Lead. We invest the time and effort to improve everything we do. Our mission is to continually increase individual and overall team performance for our clients.

Columbus, OH

Small Biz

SDB

WOSB

HUBZone

SDVOSB

Collection Bureau of America

Partnerships with all our clients have helped make Collection Bureau of America a leader in accounts receivable management since 1959. We know that selection of the right agency is vitally important, especially when you entrust your company’s most valuable asset, your customers, to a third party for assistance. You must have complete confidence that the agency you choose will achieve the results desire. Collection Bureau of America delivers the highest results through exceptional customer service.

Hayward, CA

Small Biz

SDB

WOSB

HUBZone

SDVOSB

DMD Financial Services

Based in Greensboro, NC, DMD Financial Services was formed in 1991 by one woman who had already been a successful Director of Collections for a major university for decades. After reducing the cohort rate of this university from 65% to just 3.5%, the idea of starting a company focused on helping higher education institutions was born into DMD. The company has a loyal client base with top clients that have been with the agency since its inception. DMD specializes in collecting Perkins loans, and has continued to improve results for clients. DMD is currently operated by the same family, and has earned its reputation as a compassionate accounts receivable company. We consistently and persistently collect …. with compassion.

Greensboro, NC

Small Biz

SDB

WOSB

HUBZone

SDVOSB

Eagle Accounts Group

Eagle Accounts, located in the Indianapolis metro area within a Federal HUBZone, was established in 1972. We offer nationwide debt collection services, and are licensed, bonded, and insured for your protection. We have a staff of trained professionals whose goal is to collect your accounts in a respectful and dignified manner. Our collectors have an average length of service of more than 5 years with us. Eagle is proud to be an active member of ACA International, the Indiana Collectors Association, and the Association of Indiana Counties.

Indianapolis, IN

Small Biz

SDB

WOSB

HUBZone

SDVOSB

Glass Mountain Capital

Founded in 2005 and headquartered in Schaumburg, Illinois, Glass Mountain Capital, LLC is a nationally licensed and bonded ARM firm with a dedicated focus on collections operations. We have a diverse client base and a wealth of experiences, which includes the specific development of successful partnerships in the financial services, municipality and government sectors. Our experienced management team combines technology, creativity and highly trained and motivated employees to create client-driven recovery solutions. We are dedicated to providing clients with cost effective performance at each level of production, without sacrificing its attention on risk.

Schaumburg, IL

Small Biz

SDB

WOSB

HUBZone

SDVOSB

HS Financial Group

HS Financial is an SDVOSB that has earned a reputation for Professional, Ethical, and Excellent debt collection services. Based in Cleveland, Ohio, HS Financial is a U.S. Department of Education subcontractor that features extensive student loan and government collections experience. Since 2000, our collection specialists and full staff of legal and administrative support personnel have been dedicated to ensuring that our clients receive superior service. We strive for quick and efficient recovery of your delinquent accounts and we maintain a personal working relationship with every client, and will do the same with you.

Cleveland, OH

Small Biz

SDB

WOSB

HUBZone

SDVOSB

JNR Adjustment

Since our offices in Minneapolis, MN, opened 1970, we have offered an array of services such as investigating, invoicing, collecting, litigating, and consulting. We are licensed to collect nationwide in addition to international recovery services we provide. We employ ACA-certified collectors, multi-lingual specialists, and translation services in both our home office and our new satellite office in Orlando, FL. Traditional and custom recovery programs are available as well as other services to assist you in all aspects of investigation, billing, and recovery of your accounts. We are members of ACA International and the Commercial Law League of America.

Minneapolis, MN

Small Biz

SDB

WOSB

HUBZone

SDVOSB

Lien Enforcement

Based in a Federal HUBZone in San Jose, Lien Enforcement is a SDVOSB with staff continuously trained in modern collection techniques to ensure we offer the highest standard of courtesy and professionalism possible. We provide a conscientious and ethical approach to collecting our clients’ accounts and strictly follow the statutes and regulations of the FDCPA, FCRA, and all other laws. Unlike conventional collection services, we have a calculated approach to managing the receivables process. Our management team has over 20 years of debt collection experience, with a proven track record of delivering measurable results. We are working for a restricted PCA today.

San Jose, CA

Small Biz

SDB

WOSB

HUBZone

SDVOSB

LoanWise

LoanWise has been a top-performing subcontractor on the ED PCA contract since 2008. The company is WOSB and HUBZone certified, operating five miles south of San Diego in National City, California. Our staff and managers have decades of experience on the ED PCA contract. Owner Carol Ann Patry attributes LoanWise’s success to continued top-of-the-line training, excellent employee benefits, and generous compliance and production bonuses. LoanWise is currently subcontracting for a restricted PCA.

National City, CA

Small Biz

SDB

WOSB

HUBZone

SDVOSB

MCA

MCA is a family-owned, third-party debt collection agency that has been in business since 1950. We are rated A+ with the Better Business Bureau, and we pride ourselves on excellent customer service and great recovery rates. Most of our clients have been doing business with MCA for over 10 years, and several for over 20 years. We have a very low turnover rate with our employees. We work EVERY account with a hope that resolution will be the end result.

St. Louis, MO

Small Biz

SDB

WOSB

HUBZone

SDVOSB

MS Services

MS Services is a nationally licensed, full-service agency founded by CEO Daniel Price in 1977. Since that time the company has grown to become one of the most effective, customer-sensitive companies in the industry. MS Services has represented and currently represents some of the nation’s largest banks, universities, credit card issuers, telecom companies, and healthcare providers. We are located in a favorable labor market in Wyoming, which allows us flexibility for all types of projects.

Casper, WY

Small Biz

SDB

WOSB

HUBZone

SDVOSB

NCS

Based in a Federal HUBZone in Iowa, NCS has been providing debt collection services for in the Siouxland Area for over 50 years. We are licensed and bonded in the states of Iowa, Nebraska and South Dakota. We are continuously advancing our technology and creating new services to better serve the changing needs of our clients. We utilize the latest in technology to allow us to list new accounts immediately, giving client real-time access to view their accounts. NCS is much more than a collection agency. We also offer pre-collect services, person or asset location services, credit bureau reporting, and tenant screening.

Sioux City, IA

Small Biz

SDB

WOSB

HUBZone

SDVOSB

National Service Bureau

National Service Bureau operates in the Seattle area, and is licensed and bonded throughout the United States. We have been providing comprehensive collection services since 1986. We focus heavily on data security and compliance training, and we pattern our collection style after the Consumer Financial Protection Bureau’s UDAAP program. This, along with our thorough pre-employment screening policy, ensures we always maintain the best and brightest staff to interact with consumers and service our clients. Our numerous clients understand these benefits give them an advantage and let them know they have a true partner in achieving their recovery goals while maintaining their reputation and image.

Seattle, WA

Small Biz

SDB

WOSB

HUBZone

SDVOSB

Peroutka & Peroutka

For 32 years, The Steve Peroutka Law Group, P.A. has ethically and effectively collected delinquent receivables on a contingency basis. We’re nationally renowned, and will give references upon request. Each of our collectors is certified by ACA International. We represent credit originators, colleges, debt buyers, doctors, lawyers, and retail establishments in Maryland, Virginia, Delaware, and Washington, DC. We are members of ACA International, the Debt Buyers Association, the National Association of Retail Collection Attorneys, and the Maryland Bankers Association.

Pasadena, MD

Small Biz

SDB

WOSB

HUBZone

SDVOSB

Prosperity America

Based in Columbus, GA, near Fort Benning with the ability to recruit veterans to work on PCA subcontracts, Prosperity America, Inc. is a veteran-owned small business headed by Fred Landrum, a collection industry veteran since 1978 and a Vietnam-era Air Force veteran. Through its subsidiaries American Outsourcing Alternatives LLC (A.O.A) and American Healthcare Outsourcing Alternatives LLC (A.H.O.A) Prosperity America provides clients high-quality call center services and collection programs.Our mission is job creation. The company is dedicated to creating jobs for service men and women, their families, and the communities that support them. Our secure facility contains 245 fully wire cubicles allowing exceptional capacity.

Columbus, GA

Small Biz

SDB

WOSB

HUBZone

SDVOSB

Professional Placement Services

PPS is a nationally licensed, woman-owned small business , a certified HUBZone small businesses available for core collection subcontracting. Based in Milwaukee, WI, PPS has government clients at the national, state and local level. PPS is SSAE 16 / SOC 1 Type II certified has an A+ rating with the Better Business Bureau. Recent growth has led to coverage in The Milwaukee Business Journal, CBS News, and FOX News.

Milwaukee, WI

Small Biz

SDB

WOSB

HUBZone

SDVOSB

Pulcher World Management

Based in Western New York in a Federal HUBZone, Pulcher World Management (PWM) is a small business whose owner, James Cunningham, not only has more than a decade of operational and administrative ED management experience, but also meets the strict definition socially and economically disadvantaged owners must demonstrate in order to legitimately qualify for small disadvantaged business status. His experience includes ten years with NCO Group (predecessor company of Transworld Systems), and with National Recovery Solutions, where he contributed to the successful ramp up of a subcontract.

Buffalo, NY

Small Biz

SDB

WOSB

HUBZone

SDVOSB

Recovery Partners

Recovery Partners is a nationally licensed, bonded and insured Accounts Receivable Management Company located in Scottsdale, AZ since 2005. We specialize in traditional debt recovery. We are experts within the student loan segment. We are continuously recognized for our performance results, and our professional and respectful approach to recovery. Recovery Partners is focused on delivering results for our clients and partners. Our recovery processes are designed for each client and partner to maximize your return. We are consistently the highest performing agency within our client’s agency networks. We consistently invest in techniques, technology and trained professionals to demonstrate our commitment to deliver results.

Scottsdale, AZ

Small Biz

SDB

WOSB

HUBZone

SDVOSB

Revenue Collection Bureau

Located in a Federal HUBZone in Philadelphia, PA, Revenue Collection Bureau (RCB) is a full service collections company dedicated exclusively to providing professional current and delinquent debt collection services to municipal and state government. Our staff has extensive experience handling multimillion dollar settlements, as well as small accounts. We understand and observe all applicable federal, state and local laws and regulations necessary to develop and implement an effective program that significantly increases collection of delinquent and past due accounts.

Philadelphia, PA

Small Biz

SDB

WOSB

HUBZone

SDVOSB

Southern Financial Systems

Southern Financial Systems, Inc. is a licensed, bonded WOSB collection agency operating in Hattiesburg, MS, since 1998. We have decades of combined experience in all aspects of the industry and are in total compliance with all federal, state and local regulations. Owner and CEO Kimberly Amacker, is past president of the Mississippi Collector’s Association. She leads a team of highly trained staff members dedicated to providing all clients with exceptional services and positive results. Fully automated and utilizing the most current technology, we have a proven track record of success. Our focus on compliance and continuous training ensures that all employees are equipped with the most current knowledge regarding all regulations and changes in the industry. We strive for and continue to provide complete and professional recovery resolutions which benefit all parties involved.

Hattiesburg, MS

Small Biz

SDB

WOSB

HUBZone

SDVOSB

The Allen Daniel Associates

The Allen Daniel Associates, founded in 1972, is located in a major labor market within the student loan collection industry, just outside of Boston. We do business with the Commonwealth of Massachusetts, for which we collect student loans. At ADA, the focus is on 5 key elements — integrity, creativity, intensity, sensitivity and results. The direction and reinforcement of these goals starts at the top at ADA. ADA stands tall, providing professional collection services to our clients from the beginning. As a member of ACA International, ADA is always up to date on the latest techniques and collection regulations. Our staff has decades of experience.

Boston, MA

Small Biz

SDB

WOSB

HUBZone

SDVOSB

Trackers

Established in 2004, located in Bettendorf, IA, Trackers strives to remain a leading debt recovery company. Clients receive exceptional service and interface with well-trained industry professionals. The end result for our clients is a superior level of customer service, improved cash flow and reduced costs. We strive to deliver returns that are the best in the industry. Our collection strategy integrates best in class collection systems and advanced network technology implemented by a well-rounded team of highly dedicated and experienced professionals.

Battendorf, IA

Small Biz

SDB

WOSB

HUBZone

SDVOSB

Tri-State Adjustments

Founded in 1990, Tri-State Adjustments (TSA) is a woman-owned business and a recognized leader in collection services. In addition to our accreditation by the Better Business Bureau (BBB), TSA is also a proud member of ACA International. Today, TSA operates three branch locations in Wisconsin — La Crosse, Brookfield, and Freeport — each upholding the same high standards of excellence.

La Crosse, WI

Small Biz

SDB

WOSB

HUBZone

SDVOSB

Unifin

Based in Skokie, IL, Unifin, Inc. is a veteran owned small business debt collection agency with subcontracting experience capable of meeting your small business subcontracting needs on the Education Department’s (ED) defaulted student loan collections task order. Our organization was founded and is managed by a team of seasoned ARM veterans with a combined experience of over 20 years on ED task orders. Our specialty is debt collection, and we also have experience managing our own in-house team in other verticals. We are proficient on ED task orders, and can manage our operations with little to no help from the contractor even though our management and staff are adaptable and ready to take your direction.

Skokie, IL

Small Biz

SDB

WOSB

HUBZone

SDVOSB

United Credit Service

UCS is a licensed, full-service debt collection agency located in Elkhorn, WI. Founded in 1950, our longevity demonstrates our commitment to outstanding service and dedication to providing maximum results. We have an A+ rating with the BBB. We utilize best available collection technology. Our management team has an average of 19 years of collection experience here at UCS, and the collectors in our call center are all ACA-certified Professional Collection Specialists with an average of 9 years’ experience. Strict adherence to all laws, privacy, and ethical standards is paramount at UCS. We always treat everyone with the respect and dignity they deserve.

Elkhorn, WI

Small Biz

SDB

WOSB

HUBZone

SDVOSB

Valentine and Kebartas

Valentine and Kebartas, LLC (V&K) is a privately-held, HUBZone-certified national collection agency with its office located in Lawrence, Massachusetts. V&K handles outsourcing, primary, secondary and legal placements for a wide array of clients and for different receivables needs. We currently employ 150 representatives, and 58% of our business is dedicated to higher education. Our management team has an average of 22 years of industry experience. We are licensed and bonded to perform collection activities nationally. Our philosophy and mission is the primary reason for V&K’s success. We provide our clients with the services, responsiveness, and results that place V&K at the forefront of the collection industry. By building long-term relationships with our clients and providing excellent results through professional and imaginative services, V&K provides security and peace of mind to our clients.

Lawrence, MA

Small Biz

SDB

WOSB

HUBZone

SDVOSB

VLO Financial Solutions

VLO Financial Solutions, Inc. is a licensed Colorado collection agency. It is owned and operated by Ben Vinci, an attorney. Mr. Vinci has 20 years of experience in the collection industry. VLO was recently joined by Jeff Gonzalez as the Collection Department Manager. Jeff brings several years of experience handling student loans to our team. Jeff is intimately familiar with Department of Education task orders and has been instrumental in training ED collectors and implementing policy changes. Utilizing a customer-service philosophy, VLO’s account managers are taught to handle a variety of accounts and receive training in regulatory compliance. VLO has never had an FDCPA claim.

Denver, CO

Small Biz

SDB

WOSB

HUBZone

SDVOSB

Wexford & James

Wexford & James, located in West Des Moines, Iowa, is a trusted partner, providing a full range of receivables management services to a multitude of fortune 500, mid-size and small businesses alike – from our Receivables Outsourcing Services to our traditional debt recovery and litigation services designed to deal with your most troublesome accounts. Founded in 2002, our results are achieved by remaining persistent, yet respectful and professional. We are small and agile agency with the ability to quickly adapt and apply processes to meet our client’s specific needs while maintaining outstanding recovery rates.

West Des Moines, IA

Small Biz

SDB

WOSB

HUBZone

SDVOSB

Automated Collection Services

Established in 1988, Automated Collection Services, Inc., (ACSI) has more than 25 years of experience collecting student loans for guaranty agencies. We also have a large staff experienced in collecting on the ED contract, including people experienced on the current task order. We are a large business with a headquarters call center of 25,000 square feet in Nashville, TN, and a branch location in Bakersfield, CA. ACSI offers ED PCAs a key combination of unique attributes. First, ACSI has more than 30 current staff members with ED collection experience from contract administrator, collection management, AWG, administrative resolution and collections. Additionally, Tennessee counties feature relatively lower SCA wage requirements than those in many other states. If you are seeking an experienced team to augment your efforts, look no further than ACSI. Recently recognized by insideARM as one of the best places to work in the collection industry.

Nashville, TN

Firstsource

Firstsource is an innovative provider of customer-centric business process services. With a network of delivery centers, Firstsource serves organizations in the banking and financial services, insurance, media and publishing, higher education, telecommunications and healthcare sectors. The company’s services include customer management, data / transaction processing, and collections. Over the last decade, the company has assimilated best-of-breed processes, developed intellectual property, adopted industry standard technology, ensured faster time-to-market and invested in continuous improvement in quality of services. This has helped Firstsource’s clients not only improve customer satisfaction but also reduce operational costs, record process improvements, and, more importantly, focus on core competence.

Amherst, NY

United Collection Bureau

UCB has provided debt collection and accounts receivable management services to creditors since 1959. Headquartered in Toledo, Ohio, UCB has grown to service the national marketplace for higher education, healthcare, financial services, utility, communications, and government creditors. UCB employs a seasoned and successful management team of collection agency executives, and utilizes state-of-the-art technology and telecommunications resources to bring uncompromising services to its clients. UCB is licensed nationally and carries full insurance and bonding protection, managing risk with an industry-leading compliance program.

Toledo, OH

Penn Credit

Penn Credit is a leading accounts receivable management firm with extensive government experience and an expanding higher education client base throughout the United States. Since 1987, Penn Credit has developed the staff, technology, safeguard procedures, and requisite knowledge to perform securely and ethically as a collection vendor. Penn Credit’s qualifications include national licensing, performing an annual SSAE16 SOC 1 Type II audit, maintaining PCI-DSS Compliance. Penn Credit diligently pursues accounts placed for collection with the highest efficiency and has ample capacity across its facilities in Pennsylvania, New Jersey, and Arizona to support an ED subcontract.

Harrisburg, PA