Recovering revenue. Treating people like humans.

Since 1996, we’ve been proving that you don’t need threats to get results.

Changing minds about collection agencies, one client at a time.

Have you thought about using a consumer or commercial collection agency, but you’re not sure if it’s worth your while? Or, have you tried a big agency before, only to find confusing fees, poor service, and disappointing results?

With a nationwide footprint and recovery rates nearly double the industry average, Summit A•R (Summit Account Resolution) has been doing things a bit differently since 1996. Our track record includes successful recovery of some of the most difficult debts.

Mediation Over Conflict

Our team is composed of experienced debt collectors with people skills. They find solutions that benefit both the creditor and the debtor, resolving disputes without high-pressure tactics.

The P.H.D. Standard

Preserving Human Dignity is both the process we developed and the metric we use to measure success. If a debt is recovered but a bridge is burned, we haven’t done our job.

Zero Harassment Policy

No automated dialers (robo-calls). No aggressive scripts. Every interaction is human-led, respectful, and fully compliant with all state and federal laws.

Meet the Team

Tim Turner

Founder and President

Brent Anderson

Director of Business Development

Emma Grob

Director of Accounting

Lynnea Thole

Compliance Director

Nathan Koering

Collection Manager

Toni Olson

Director Client Care


Our Mission Statement

It’s simple… SUMMIT A•R exists for the sole purpose of reuniting our clients with their hard-earned revenue in the most efficient, ethical and cost-effective manner. We do this while adhering to strong core beliefs and values.

We VALUE our clients: Preserving our clients’ reputation is our top priority. Everything we do stems from a personal sense of responsibility to the business with which we have been entrusted.

We LOVE our team: We have gathered a team of smart, fun, and hard-working Rockstars. They are committed, held accountable and consistently achieve excellence in an environment that fosters respect, humor and integrity.

We RESPECT people: We follow all the rules and regulations of our industry, but in a challenging business environment we also choose to treat everyone with compassion, respect, and the dignity that we believe everyone deserves.

We GIVE to our community: We are blessed and choose to show our appreciation by giving back to our community with our resources, energy, and time.

30+ Years

Of treating people right

100%

Dignity-first interaction

200+ Million

Recovered for our clients to date

Zero

Hidden fees or upfront costs

0.01%

Consumer complaint rate

30+ Years

Of treating people right

100%

Dignity-first interaction

200+ Million

Recovered for our clients to date

Zero

Hidden fees or upfront costs

0.01%

Consumer complaint rate

A Different Kind of Collection Agency

Summit A•R is a mid-sized boutique collection company that prides ourselves in retaining very talented, hard-working, licensed and bonded employees who are friendly and professional to deal with. We’re large enough to handle your collection needs nationwide, but small enough to know your name and treat you like you’re our only client.

Summit A•R Small Local Agency Large National Collection Agency
Proven history Over 30 years of ethical collections with long-term clients and employees Track record varies and is often limited Long operating history with inconsistent client experience
Respectful consumer treatment Relationship-first approach with a documented 0.009 complaint rate Depends heavily on staff and internal processes Volume-driven models can lead to inconsistent treatment
Data security Fully encrypted systems with E&O and cyber insurance coverage Security standards and resources vary widely Large infrastructure but frequent cyber risk exposure
Personal service One primary point of contact who knows your business Personal service when available Account management handled at scale, you’re just one of many.
Public reputation Strong BBB standing and a 4.7 Google review rating Reputation varies by agency Public reviews are often mixed or negative
Reporting and visibility Online portal with custom reporting Limited reporting tools Robust systems with limited flexibility
Fee transparency One clear fee with no hidden costs Additional fees often apply Pricing often varies by account factors
Use of technology Modern tools balanced with human communication Limited access to advanced technology Heavy reliance on automation and AI
Outsourced or AI bots? 100% in house, human-led communication with no AI bots Human-led, but limited by staffing and manual processes Heavily automated with AI-driven or outsourced communication
Proven history
Summit A•R
Over 30 years of ethical collections with long-term clients and employees
Small Local Agency
Track record varies and is often limited
Large National Collection Agency
Long operating history with inconsistent client experience
Respectful consumer treatment
Summit A•R
Relationship-first approach with a documented 0.009 complaint rate
Small Local Agency
Depends heavily on staff and internal processes
Large National Collection Agency
Volume-driven models can lead to inconsistent treatment
Data security
Summit A•R
Fully encrypted systems with E&O and cyber insurance coverage
Small Local Agency
Security standards and resources vary widely
Large National Collection Agency
Large infrastructure but frequent cyber risk exposure
Personal service
Summit A•R
One primary point of contact who knows your business
Small Local Agency
Personal service when available
Large National Collection Agency
Account management handled at scale, you’re just one of many.
Public reputation
Summit A•R
Strong BBB standing and a 4.7 Google review rating
Small Local Agency
Reputation varies by agency
Large National Collection Agency
Public reviews are often mixed or negative
Reporting and visibility
Summit A•R
Online portal with custom reporting
Small Local Agency
Limited reporting tools
Large National Collection Agency
Robust systems with limited flexibility
Fee transparency
Summit A•R
One clear fee with no hidden costs
Small Local Agency
Additional fees often apply
Large National Collection Agency
Pricing often varies by account factors
Use of technology
Summit A•R
Modern tools balanced with human communication
Small Local Agency
Limited access to advanced technology
Large National Collection Agency
Heavy reliance on automation and AI
Outsourced or AI bots?
Summit A•R
100% in house, human-led communication with no AI bots
Small Local Agency
Human-led, but limited by staffing and manual processes
Large National Collection Agency
Heavily automated with AI-driven or outsourced communication

Built on Trust, Backed by Standards

Review source logo
Review source logo
Review source logo
Summit A•R BBB Business Review

Ready to experience a different kind of collection agency?

Reach out to our friendly team to learn how our debt collection agency can help get your cash flowing freely again.

Overall Rating

4.7

229 reviews