Consumer Collections

Summit has extensive expertise with a long history of success as a consumer collections agency, inclusive of all industries, and we pride ourselves in our reputation of providing excellent customer service.

Consumer debt recovery is subject to the Federal Fair Debt Collection Practices Act, as well as other state and local rules and regulations. To ensure compliance, our highly trained and licensed professionals are subject to continuous training, ensuring strict adherence to these applicable federal and state laws. We work consumer accounts as often as legally allowed, and we report debtors collection items to all major credit bureaus. Our “PHD” philosophy means our collection professionals will always strive to “Preserve Human Dignity” with your delinquent accounts. This policy has proven to be far more successful then the typical collection agency mentality; browbeating and demeaning delinquent accounts. Our A+ rating with the Better Business Bureau is a direct result of adhering to this philosophy. Not only does this mean far less complaints to you, but also that we take your reputation as seriously as we do our own.

Placements can be sent to us via mail, fax or via our online portal. Once placed, accounts are immediately uploaded into our collection database for servicing. The first collection letter is sent within 24-hours and a heavily concentrated calling campaign to the debtor follows until the debt is paid or payment arrangements are made. If the debtor’s whereabouts are unknown, our skip tracing department (run by an actual licensed private investigator) locates the debtor using multiple databases and proprietary sources. Those results are then updated and passed on to the collection team for continued collection efforts.

Your confidence in our ability to protect your collected funds is particularly important to us and our continued relationship with you. Until your remittance, funds are kept in separate and secure state-regulated trust accounts, backed by bonds, which further ensures your protection. We also maintain a large Errors and Omissions policy that covers us and you in the rare event of any error or omission on our part. Since our company’s inception in 1996, we’ve had an impeccable record and no client has ever made a claim against us, our bonds or our insurance.

Technology is critical in today’s account receivable management environment. Our investment in state-of-the-art technology provides client access to account status anytime – day or night. Clients receive a unique login that allows them to upload placements and download account activity and reports in a secure format. Reports can be automatically emailed to you at your requested frequency. This technology is provided to clients of any size and placement volume.

Contact us today to discuss solutions to your unpaid consumer accounts.

           Summit was there every step of the way with patience, good humor, and advice. We received payment in record time. I will definitely use Summit again for any of our debt collection needs.
Alison D., Credit Manager
International Distributor
           Summit AR handled the accounts extremely professionally and kept that quality working relationship with our client intact. Best of all we received a 75% recovery rate. I would recommend them to any company.
Micah B., Director
National Franchisor
           You've been able to get our problem accounts paid in full so that I can focus on more profitable activities
IT Systems Co.
           I've been very impressed with how quickly you've recovered on accounts we thought were lost for good... many thanks!
Law Firm
           You are definitely not the typical collection agency. I've experienced nothing but professionalism and unexpectedly good results versus my former agency... You actually give collection agencies a good name!
Medical Supply Co.

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