collections

Collection agencies love working on student loans because they are highly collectible for three key reasons: they have higher balances, are well-documented, and are more likely to be repaid as borrowers’ financial situations improve over time.

CA-USA collection agency can not only recover loans directly from students but also assist university accounting teams by guiding students to apply for financial aid options such as FAFSA, Direct Subsidized/Unsubsidized Loans, Pell Grants, and SEOG. These aids can significantly help cover tuition costs. For active students, we offer a friendly written demand service, while for inactive students, we use more intensive collection calls. This approach also encourages students who have recently dropped out to re-enroll and apply for available grants.

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As individuals advance in their careers and earn more, their ability and motivation to pay off student loan increase, especially when a collection agency is involved.

Old is gold. Student loan recovery chances get better with age. In fact most students are broke when they graduate, in many cases the account becomes more collectible after 2-3 years of passing the college. Not assigning student debt to a collection agency is like leaving money on the table. Student loans impact professional and personal life of individuals in a big way. Firstly, by conducting background checks, employers tend to favor candidates with lower or no student debt. This is because high debt levels might be perceived as a potential distraction or a stress factor that could affect an employee’s performance. Consequently, those with lower debt burdens may have better employment opportunities, leading to higher incomes and a greater ability to repay debts. The stress caused by student loans, especially when amplified by persistent calls from collection agencies, motivates many individuals to prioritize their repayment. This urge to relieve the psychological burden of debt can lead to more diligent repayment efforts. The implications of high student loan debt extend beyond financial aspects; it can also impact personal life milestones. For instance, significant debt might affect career progression, as concerns about financial stability can influence one’s focus and performance at work. Similarly, high debt levels can be a deterrent in personal relationships, potentially complicating one’s ability to find a life partner, as financial stability is often a consideration in long-term partnerships.

 

Higher balance = Higher Motivation to Collect

As of 2023, the average student loan debt in the United States varies by state, but figures like $37,137 in Alabama, $34,024 in Alaska, and $37,084 in California give a general idea of the typical amounts. Collection agencies, operating on a contingency fee basis, potentially earn more from student debts compared to other types of debts.

 

Student loan collection agencies are extremely proactive and persistent

Operating on a contingency fee model, collection agencies are quick to act when a payment is missed, promptly reaching out to students. In cases where students change their address or phone number, the agencies employ skip tracing techniques to locate and contact them on their updated contact information. If needed collection agencies can offer more flexible repayment plans. Offering flexible repayment options that adapt to the financial situation of the borrower can help students manage their debt more effectively. Graduated repayment plans or income-driven repayment plans allow students to make smaller payments when their income is lower, which can be particularly helpful for those still in school or just starting their careers.

 

Why does internal staff of colleges collect far less than Collection Agencies?

In most colleges, staff shortages and diverse responsibilities mean that collections often receive less attention. Employees on fixed salaries, without the incentive of contingency fees, may have limited capacity to focus on collections. Unlike collection agencies, college staff typically lack advanced tools, regular training in current debt collection laws, and specialized techniques to address student excuses effectively. In contrast, professional debt collectors, who specialize in recovery and are constantly refining their skills, are adept in this field. Their expertise and experience are crucial, as those less proficient in the art of debt collection may not thrive in the industry.

Unique Features of CA-USA Collection Agency

• Free Bankruptcy screening.
• Free Credit Bureau reporting in contingency collections.
• Free Change of Address check and Litigious defaulter check.
• Accounts can be further recommended to one of our national network of lawyers for filing a Legal suit to recover money.
• We can perform debt collections in both English and Spanish.
• Apart from B2C collections, we also have a dedicated Commercial Division for B2B collections.
• Serving Nationwide ( Licensed in all 50 states and Puerto Rico).
• CA-USA has consistently passed SSAE 18 SOC 1 Type 2 data security compliance.

With a remarkable track record of success, as evidenced by over 1300 reviews and an impressive average rating of 4.9 out of 5, CA-USA has proven its effectiveness and reliability in the debt collection sector.

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When utility companies seek a collection agency, they look for one that can effectively manage debt recovery while upholding customer relationships and legal standards. CA-USA offers products tailored to the need to utility companies like electricity, water, gas and cable. Our service is “use as needed, no commitment“. Over 1300 Google reviews averaging 4.8 out of 5.

CA-USA Collection Agency positions itself as a comprehensive solution in this regard, addressing the top 20 needs of utility companies as follows:

1. Data Security: We understand your concern when sharing your customer data with an external vendor. CA-USA employs robust data security measures, ensuring the protection of sensitive customer information and compliance with data protection laws, a cornerstone in their operations. CA-USA has consistently passed SSAE 18 SOC 1 Type 2 data security compliance.
2. Bulk Account Submission Capabilities: Recognizing the high volume of accounts utility companies handle, CA-USA supports efficient bulk account submissions, like through Excel files, simplifying the process of account transfer.
3. Low-Cost Products: Select between the Low cost Flat-Fee service (debtor pays directly to you), or the traditional Contingency service.  CA-USA presents an attractive solution for utility companies focused on managing expenses without compromising on debt collection efficacy.
4. Nationwide Presence: With a nationwide network, CA-USA is capable of pursuing debts across state lines, ensuring continuity and effectiveness in collection efforts regardless of debtor relocation.
5. Skip Tracing to Find Debtor’s Latest Address: CA-USA utilizes advanced skip tracing tools to locate debtors who have moved, maintaining contact and improving collection success rates. We also do free bankruptcy screening and litigious defaulter check on every account submitted for collections.
6. Ethical Practices and Social Responsibility: Upholding ethical practices, CA-USA respects the rights and circumstances of debtors, aligning with the social responsibility goals of utility companies.
7. Flexible Payment Plans: CA-USA provides flexible payment options for debtors like offering installments to pay off the debt, enhancing the likelihood of debt recovery by accommodating various financial situations.
8. Easy-to-Use Portal and Access to Online Collection Reports: They offer a user-friendly online portal for real-time collection reports and account status, ensuring efficient monitoring and management. We also provide your staff training over Zoom and short PDF tutorials for an error free usage of our services.
9. Option to Report to Credit Bureaus: CA-USA gives utility companies the option to report non-paying debtors to credit bureaus, serving as a deterrent for delinquency.
10. Use of Technology in Identifying Likely Payers: Leveraging experience and technology, CA-USA analyzes customer data to prioritize accounts with higher likelihoods of payment, enhancing efficiency in settling accounts.
11. Brand Protection and Ethical Collection Practices: CA-USA focuses on ethical collection practices, protecting the utility company’s brand and maintaining healthy customer relationships.
12. Industry Experience: With significant experience in the utility sector, CA-USA understands the unique challenges and regulatory requirements of this industry. We are serving numerous utility companies nationwide. References available upon request.
13. Compliance with Laws and Regulations: Adhering to laws like the FDCPA, GLBA and TCPA, CA-USA maintains ethical standards and avoids legal issues in its collections.
14. Customer Service Approach: CA-USA’s collection approach balances firmness with respect, aligning with utility companies’ goals to retain customers while managing debts.
15. Success Rate and Recovery Methods: Demonstrating a high success rate in debt recovery, CA-USA employs effective methods like calls, letters, or legal actions tailored to the utility industry.
16. Technological Capabilities: CA-USA uses modern technology for efficient account management, data security, and communication, streamlining collection efforts and reporting.
17. Online Reviews: The agency has built a positive reputation in the industry, backed by favorable reviews from clients, indicating reliability and effectiveness.
18. Transparent Reporting and Communication: CA-USA offers regular and transparent reporting on collection activities, crucial for utility companies to monitor performance and make informed decisions.
19. Cost and Fee Structure: Their clear fee structure, including options like flat fees or percentages of collected amounts, aids utility companies in effective budgeting.
20. Flexibility and Customization: CA-USA’s services are customizable to meet specific needs and policies of utility companies, offering a versatile approach to debt collection.

In summary, CA-USA Collection Agency presents a well-rounded service portfolio, meeting the diverse and specific needs of utility companies in the realm of debt collection and customer relationship management.

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We will start this article with a straightforward answer.

Hiring a local collection agency has Zero or negligible benefits.

Hiring a collection agency is completely different from hiring a local plumber or a carpenter. Just because a collection agency is near you should not qualify them as your first choice. When it comes to hiring a collection agency – bigger is better.

Buy Why – Let us dig deeper?

• While proximity might make a small collection agency seem appealing, it’s important to be cautious about their compliance with comprehensive debt collection laws set by federal and state governments. So don’t fall for an agency that may not be 100% compliant or may not keep your data as safe as your bank. All collection agencies are required to follow GLBA data security laws, similar to other financial institutional like large Banks and Credit Unions. Handing over your customer private data to a non-compliant agency can leave you in a huge mess.
• Adhering to laws like FDCPA, GLBA, HIPAA, TCPA,  CCPA, and more  involves significant financial investment (usually running into tens of thousands of dollars each year), often beyond the reach of smaller agencies. Consequently, many smaller agencies are struggling or even closing down due to the stringent and expensive requirements imposed by the Consumer Financial Protection Bureau (CFPB), making it crucial to ensure that any agency you consider is fully compliant with all necessary regulations.
• If your debtor relocates to another state, a locally based collection agency might not be effective. Choosing a collection agency with licenses in all 50 states ensures they can pursue debt collection regardless of the debtor’s new location, providing uninterrupted service and greater flexibility in recovering debts.
• Local presence matters only when you decide to file a legal suit against the debtor, however all large nationwide collection agencies have tie-ups with hundreds of lawyers covering entire the USA.
• Large collection agency services may actually be more cost effective due to their volume.

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Common Myths about Local/Small collection agencies

1. Myth: Local collection agencies are likely to have in-depth knowledge of the laws and regulations.
   Wrong: Debt Collectors of large collection agencies are 100% aware of the regional laws. Without which their license to recover in your area will be revoked in no time.
2. Myth: Local agencies may provide more personalized service compared to larger, national agencies.
   Wrong: Broadly speaking, the concept of personalized service in debt collection is incorrect. There are strict government regulations that all agencies must adhere to. However, many large collection agencies offer the convenience of secure online client portals. These portals enable you to submit and update accounts, as well as check the status of existing accounts at any time, 24/7. This not only saves time but also provides the flexibility of accessing online updates outside of regular business hours, including weekends.
3. Myth: If necessary, there’s the possibility of in-person interactions if I hire an agency near me.
   Wrong: In our 22 years of debt collection experience, we are yet to come across an agency that will personally meet your debtor. In fact this may be to risky any may lead to unnecessary complications. All calls made to your debtor are required to be recorded by law and any postal communication needs to be documented. A phone call or collection demand can originate from anywhere in USA.

Unique Features of CA-USA

• What sets CA-USA apart is its commitment to transparency and accessibility. With over 1300 reviews, the agency boasts an impressive average rating of 4.9 out of 5, reflecting its high client satisfaction.
• Free Bankruptcy screening.
• Free Credit Bureau reporting in contingency collections.
• Free Change of Address check and Litigious defaulter check.
• Accounts can be further recommended to one of our national network of lawyers for filing a Legal suit to recover money.
• We can perform debt collections in both English and Spanish.
• Apart from B2C collections, we also have a dedicated Commercial Division for B2B collections.
• Serving Nationwide ( Licensed in all 50 states and Puerto Rico).
• CA-USA has consistently passed SSAE 18 SOC 1 Type 2 data security compliance. We are also FDCPA, GLBA and HIPAA Compliant.

 

CA-USA, a leading collection agency, offers specialized services tailored to small businesses managing both consumer and commercial debt. Adhering strictly to collection laws and fully licensed nationwide, CA-USA stands as a trustworthy partner for businesses seeking efficient debt recovery solutions. Their unique approach combines cost-effective Fixed Fee services with traditional Contingency Fee Collections. This dual approach provides flexibility and affordability, catering to the diverse needs of small businesses. The Fixed Fee service, in particular, is a standout offering, allowing businesses to write off this cost as a business expense in taxes. This effectively makes the Fixed-Fee service zero-cost for a majority of clients, ensuring financial viability without sacrificing efficacy.

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What sets CA-USA apart is its commitment to transparency and accessibility. With over 1300 Google reviews, the agency boasts an impressive average rating of 4.9 out of 5, reflecting its high client satisfaction. Small businesses can manage their accounts effortlessly through CA-USA’s easy-to-use, secure client portal. This portal is accessible 24×7, allowing clients to submit, update, and track the status of their accounts at their convenience. CA-USA’s no hidden fee policy further reinforces its commitment to transparency, ensuring clients are always aware of their financial commitments. For those opting for Contingency Collections, our policy of “no recovery, no fee” offers peace of mind, aligning the agency’s success with that of its clients.

Serving thousands of small businesses nationwide, CA-USA emerges as a reliable and effective partner in debt collection, tailored to the needs of modern businesses.

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Unique Features of CA-USA

• Free Bankruptcy screening.
• Free Credit Bureau reporting in contingency collections.
• Free Change of Address check and Litigious defaulter check.
• Accounts can be further recommended to one of our national network of lawyers for filing a Legal suit to recover money.
• We can perform debt collections in both English and Spanish.
• Apart from B2C collections, we also have a dedicated Commercial Division for B2B collections.
• Serving Nationwide ( Licensed in all 50 states and Puerto Rico).
• CA-USA has consistently passed SSAE 18 SOC 1 Type 2 data security compliance. We are also FDCPA, GLBA and HIPAA Compliant.

Read online reviews from some of our clients, even debtors from whom we collect

“CA-USA is a great partner for our trades company. They worked hard to design a plan that meets our needs and are very good at helping us meet our goals with regards to outstanding AR. Highly recommend their services to any business.”

“CA-USA has been absolutely a pleasure to deal business with. They helped the small business that I work for get an amazing price. Also I would like to mention the prompts replies to any questions or concerns that I had. Thank you so much VITO! You and your team are amazing.”

“I had such a great experience with the collector over the phone. They were honest, upfront, very polite, very helpful & informative. They made sure to work with me & confirm that everything was understood on my end. Explain everything with detail and was able to answer all my questions.”

“Client services at CA-USA has always provided excellent support. Today speaking with Cassandra in the Client Services department was no exception. She was able to switch account information that I needed done quickly while I was on the phone with her. Very professional and ‘listened’ to help me get the resolution needed. Thank you Cassandra!!”

“Rick has been pleasant & helpful every time I’ve needed to speak with him. Paying bills is part of life & sometimes we fall behind. It’s nice to do business with folks that are respectful & understanding. Thank you :)”

“Granted it’s a collection agency (my fault it got that far) BUT they are sooo nice! If I have an issue I can call and they help or if it’s just a general question. Always friendly and they don’t handle it like it’s just business, more caring!”

 

At Collection Agency USA (CA-USA), we specialize in Commercial Collections (or B2B corporate debt recovery), strictly adhering to all collection laws and holding nationwide licensing. From pre-collection efforts to litigation, we customize our services for each case to meet your specific needs.  We have adequate insurance coverage and our team know how to handle high-value claims and complex negotiations.

With over 20 years of experience, our primary goals are to achieve a high success rate, provide transparent and cost-effective pricing, keep clients updated on the progress of their collections, safeguard all sensitive client data, and ensure that all collections are conducted ethically and in compliance with regulatory guidelines.

• Our diverse service offerings include low cost Fixed Fee, Contingency Fee, and Legal Collections, tailored to suit each client’s unique needs.
• Serving thousands of clients across the country. We take pride in our secure & user-friendly client portal.
• An impressive recovery rate of over 80% on viable commercial debts.
• CA-USA is committed to protecting your reputation by treating debtors with dignity and respect.
• No Recovery = No Fee Charged to you.
• A dedicated team of commercial collectors, and a large network of lawyers nationwide to cover every jurisdiction in the country.
• No-minimum-debt and customizable approach ensure every case is handled with the utmost care and precision.
• Free address check, skip tracing, bankruptcy check, credit bureau reporting and litigious defaulter check.

Highly rated on Google reviews and with an A+ rating from the BBB, CA-USA is your trusted partner in commercial debt collection.

Contact us for a free quote and experience the CA-USA difference, where excellence in service and results is our commitment. We consistently deliver high recovery rates and far exceed the industry average. References available upon request.

• Licensed. Bonded and Compliant
• 24/7 Online Portal
• Bilingual
• No on-boarding fee

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Our Interests are Aligned

We are fully committed to collecting the debt because we only get paid if you do. We both benefit solely from the successful recovery of your invoices. Otherwise, all the resources and effort we invest in debt recovery will be wasted, and we will incur that loss entirely as we operate on a No Recovery, No Fee basis.

Commercial Collections Process

1. Placement of Debt: A business transfers the debt of a non-paying client to a collections agency, along with all backup documents, along with any emails in which debtor has accepted that they need to pay the amount assigned.
2. Verification and Scrutiny: The agency verifies the debt and assesses the debtor’s ability to pay. Understand the details of the debt, including the amount, terms, and history.
3. Initial Communication: The agency contacts the debtor, often through letters or calls or emails, to inform them about the debt and negotiate payment. Skip tracing is done if needed.
4. Background investigation: The agency will conduct an investigation into the debtor and the business proprietors to assess the business’s functionality and financial success, which will guide the negotiation process.
5. Persistent Efforts and Negotiation: If initial attempts fail, the agency persists with follow-ups, negotiating payment plans or settlements if necessary. If the debtor can’t pay in full, the agency will negotiate a partial payment plan or settlement.
6. Final Chance before Firm Tactics Kick in: The pre-collections team will give the debtor one final opportunity to settle their account before it is considered for legal action. This may be their last chance to resolve the matter without going to court.
7. Business Credit Reporting:When a commercial collection agency is involved in recovering debts, it can affect the business’s credit standing, potentially jeopardizing its ability to secure future loans. Impacting a defaulter’s business credit history is an effective collection strategy, often leading to the immediate settlement of accounts.
8. Legal Action: As a final resort, legal proceedings may be initiated to recover the debt.
   A lawyer will:
   • Initiation: Prepare legal documents, including demand letters and settlement agreements.
   • Litigation: If necessary, initiating legal proceedings to recover debts and representing the agency in court.
   • Enforcing Judgments: Assisting in enforcing court judgments against debtors, such as garnishments or liens.
9. Resolution: Upon successful collection, the agency takes a fee, and the remaining amount is returned to the business.

Commercial Collection Fee:

Unlike consumer debt, commercial collection cost varies based on three factors:

1. Amount Due: Higher the balance, lower the fee.
2. Age of account: Accounts older than 1 year attract higher fee.
3. Complexity of the case: Complex cases, or those with less than ideal backup documentation draw higher fee.

Fee varies from 10% to 40% of the amount assigned.

Read reviews from some of our clients

“We have been using CA-USA for about 2 years. They are wonderful to work with. Todd our account manager is always very helpful and answers our questions promptly. I highly recommend them for all collection services!” 

“I have worked with CA-USA for the last 3 years. As the Director of RCM for a large medical company, I could not be happier with their performance as a collection agency, but also their approach to handling our mutual clients. Bruce, and Paul have not only exceeded expectations, but have helped us foster good will with our clients as well. If I could give them 10 stars I would.” 

Startling statistics of unpaid dental bills

• It is estimated that the total outstanding dental debt in the USA to be around $100 billion.
• On average, it takes dental practices about 18 days to collect payment on their bills.
• Average write-off is 7% , means dental practices lose about 7% of their revenue due to unpaid bills. Lets calculate – If a practice operates on a 25% profit margin, a 7% write-off means that 28% of their profit is gone.
• Practices that provide more expensive services, such as cosmetic dentistry or orthodontics, have a higher percentage of unpaid bills.

10 out of 10 dentists recommend us. CA-USA specializes in collecting dental debts, we have been consistently delivering high recovery rates using our cost effective debt collection services.

CA-USA’s Methodology for Dental Debt Recovery

• Protect your reputation.
• Follow all Federal and Local debt collection laws.
• Free address check, skip tracing, bankruptcy check and litigious defaulter check.
• Licensed to collect in all 50 states and Puerto Rico. Even if your patient crosses state lines, we can handle it.
• We treat your patients with dignity and respect when recovering your unpaid invoices.
• We consistently deliver high recovery rates and far exceed the industry average.
• If you want, we can report unpaid debts to credit bureaus at no charge.
• Over 1300 Google reviews averaging 4.85 out of 5, and 90% of reviews are from people we’ve collected money.

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Online reviews left by Doctors

“We have been using them for about 2 years. They are wonderful to work with. Todd our account manager is always very helpful and answers our questions promptly. I highly recommend them for all collection services!” 

“I have worked with CA-USA for the last 3 years. As the Director of RCM for a large medical company, I could not be happier with their performance as a collection agency, but also their approach to handling our mutual clients. Vince, Bruce, and Paul have not only exceeded expectations, but have helped us foster good will with our clients as well. If I could give them 10 stars I would.” 

Reviews left by Patients/Debtors

The “collector” who helped me with my medical bill payments was awesome. She was kind, understanding and did not pressure me at all. I have a very high amount of medical bills that I am trying to pay off and CA-USA is a company that should teach all debt collectors the fine art of respect and dignity.

 

The collector was very courteous, and made submitting the payment effortless. I am glad that I was made aware of a debt that I had forgotten about, and was able to settle. It was a pleasant surprise to deal with such a patient and pleasant individual compared to the usual rude and threatening types usually encountered with collection agencies.

Paying off a debt collector is never a fun thing to do. However, the collector that handled my case was so nice and very patient with me. My account was flagged for fraud and the last transaction wouldn’t go through. The collector was very understanding and allowed me to get it situated. She gave me her direct line number, when I sorted everything out I just called her back! She was super friendly, given the circumstances. I hope everyone has a debt collector like her!!!

 

Reasons behind mounting unpaid dental bills

Unpaid dental bills and dental debt are significant issues in the United States, reflecting broader challenges in the healthcare system. Here’s some background on the situation:

1. High Cost of Dental Care: Dental procedures can be expensive, often not fully covered by insurance. Many Americans either lack dental insurance or have plans with limited coverage. This can lead to large out-of-pocket expenses for procedures like root canals, crowns, braces, and more.
2. Impact of Dental Debt: For individuals and families, especially those with lower incomes, these costs can lead to significant debt. Dental debt can affect credit scores, leading to broader financial difficulties. It also often results in people delaying or avoiding necessary dental care, which can worsen their oral health and lead to more expensive treatments later.
3. Insurance Coverage Gaps: Dental insurance in the U.S. is not as comprehensive as medical insurance. Many dental insurance plans have low annual limits, high deductibles, and don’t cover certain procedures. Medicare, the federal health insurance program for seniors, does not typically cover dental care, impacting older adults.
4. Access to Care Issues: High costs and lack of insurance can lead to disparities in access to dental care. This affects not only individuals’ oral health but also their overall health, as poor oral health is linked to conditions like heart disease and diabetes.
5. COVID-19 Impact: The COVID-19 pandemic exacerbated these issues, as many people lost jobs and associated health benefits, including dental insurance. Additionally, many dental offices were closed for routine care during parts of the pandemic, leading to delayed treatments and increased costs.
6. Government and Nonprofit Interventions: There have been efforts by government programs and nonprofit organizations to provide affordable dental care, but these do not fully address the broad scale of the problem.
7. Debt Collection Practices: The practices of debt collection for unpaid dental bills can also be an issue, with some patients facing aggressive collection tactics.
8. Dental Health and Socioeconomic Status: There is a strong correlation between dental health and socioeconomic status. Those with lower incomes are more likely to suffer from dental health issues and the consequent financial burdens.
9. Long-Term Consequences: Unaddressed dental issues can lead to more serious health problems, creating a cycle of health and financial difficulties.
10. Policy Debates: The issue of dental care affordability and access is part of larger debates about healthcare policy in the U.S., including discussions about expanding coverage and reducing costs.

In summary, unpaid dental bills and dental debt are considerable problems in the United States, reflecting the high costs of dental care, gaps in insurance coverage, and broader issues of healthcare affordability and access.