Comprehensive collection services

Summit A•R provides tailored and effective collection services spanning a broad range of industries.

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Your questions… answered

Just the FAQs.

Summit is here to help. Below, you can find answers to many of our most commonly asked questions. Have a question that isn’t covered here? Contact us today, and we’ll get back to you in no time with useful, personalized answers from a real, live person.

For Clients or Future Clients

Why use a collection agency?

There are many advantages to using the services of a collection agency. More often than not, a consumer will cooperate with a collection agency, even if they have not been cooperative with the creditor. This is because most understand that collection agencies may affect their credit history along with employing other methods, such as legal action, to secure payment. The bottom line is that you are busy enough trying to perform your other functions to have to waste time tracking down customers who haven’t paid their bills.

What’s in it for you?

Various factors will determine our fee (i.e. age, type, balance size). However, our typical compensation involves contingency fees of between 7.5% and 50%. Contingency fees ensure that your company is not throwing good money after bad; we are only paid if we are successful. Compare this to other agencies that charge an upfront fee and require you to place a specified number of accounts on a monthly or annual basis. At Summit A•R, our contracts do not contain any quotas or minimums. Only you know what’s best for your business and when and if accounts should be placed for collections. Call or email us now to discuss how we can provide cost effective solutions to some or all of your delinquent receivable needs.

What has your success rate been with other companies?

We take pride in our proven system and our results speak for themselves. We have consistently realized recovery rates that are, in most cases, double the industry average across a broad range of industries and debt types.

When should I consider turning over an account to Summit Account Resolution (Summit A*R)?

As soon as you believe repayment of debt is in doubt. The longer you wait, the less chance there is of the money reaching your hands. If they haven’t responded to your first or second late notice, the best way to ensure you will be paid in the future is to send the account to us. As more time elapses, studies show that it becomes less and less likely that the debt will ever be recovered. Other variables on collectability include, but are not limited to, the type of debt, documentation, balance, and industry. However, the biggest variable that you have control over is the amount of time that has passed since they have become past due. Don’t delay any longer, start getting paid today.

How quickly can you collect our money?

Claims are entered in our collection system immediately and the person responsible for the unpaid debt is notified shortly thereafter both by phone and mail. If we are unable to reach the person, Summit Account Resolution (Summit A*R) has a staff that includes actual licensed private investigators that track down the persons responsible for paying this obligation. The person owing your debt will be found. Then, our proven system includes a phone call campaign along with a letter series. Some debts can be collected within the first few days while others may take longer. Our goal is to get you paid within 90 days.

How soon will you get paid after the money has been collected?

All payments are immediately deposited into a state-regulated client trust account. The net amount due to your company on payments made, in any single month, are sent to you on the 10th of the following month. However, if a consumer pays you directly in response to Summit A•R’s campaigns, you must notify us immediately so that proper credit can be given to your customer. We will bill you directly for these fees.

What communication will I have with the collection agency?

Summit Account Resolution (Summit A*R) prides itself in strong relationships with our clients. You will be assigned to an account manager who is always available for any questions or concerns that you may have. We will also update you on our progress with monthly collection reports, which give detail on the collection process.

What happens if they refuse to pay?

We will keep detailed and accurate reports regarding all your accounts. There are times when accounts will not be collectible via our normal collection process. At that time, Summit A•R will determine if legal action is appropriate. If we feel it is, we will notify you and discuss the next steps with you. Please note additional fees and/or costs may apply but these will be discussed and approved of by you in writing prior to being incurred. Much like our standard collection program, there’s no additional time or effort required on your end. We manage the entire litigation process.

Will using a collection agency such as yours jeopardize future relations with existing clients?

Many people view collection agencies as one step away from a mafia hit man, but this is really not the case. Summit Account Resolution (Summit A*R) understands that your current past-due account may be your future best client. During our 28-year history, we have prided ourselves in the way we conduct business. Along with being members of the local Better Business Bureau, we also have an excellent reputation in dealing with people with a level of professionalism rare to our industry. You can count on us to handle your accounts with respect and integrity while also maximizing the returns your company deserves.

What is Summit A•R’s mission statement?

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. Learn more about Summit A•R’s mission, values, and community outreach ›

For Consumers or Those With Debts to Resolve

What is Summit A*R/Summit Collects/Summit AR/Summit Account Resolution?

Summit A*R, also referred to as Summit Collects, Summit AR, and Summit Account Resolution, is a legitimate, national third-party collection agency that has been in business since 1996. We hold an A+ BBB rating and pride ourselves on treating people with the respect and dignity they deserve — free from unethical or demeaning collection tactics. Our goal is to make the collection process as stress-free as possible for all parties involved.

Contact us today via phone, e-mail, or access our fully secure 24/7 payment portal on our website.

Is Summit A*R a scam?

If you have received a phone call, letter, or email from Summit A*R, have peace of mind knowing that we are not a scam — we are a legitimate and reputable debt collection agency.

We have over 28 years of experience in the industry, are accredited by the Better Business Bureau (BBB) and are members of both ACA International and the International Association of Credit and Collection Professionals (IACC). Our services comply with HIPAA and PCI DSS standards, and our debt collection professionals are licensed and highly trained.

We avoid robocalls, threats and other tactics and will handle collecting your debts with sensitivity and compassion. Our helpful staff can assist you with the appropriate next steps and will do so with integrity and professionalism. We’re available via phone or email to answer any questions you may have regarding our services and your debts.

Is Summit A*R real and a legit company for collections?

Summit A*R is an authentic and legitimate company for collections. In addition to our many years in business and BBB accreditations, you can reference our reviews to verify our legitimacy.

Our extensive privacy policy ensures that all collected information is accurate and safeguarded through physical, electronic, and managerial procedures. Our data collection, storage and processing practices and security measures are designed to protect against unauthorized access, alteration, disclosure or destruction of your personal information.

Where can I see Summit A*R reviews?

Summit A*R is proud to have earned over 100 4+ stars on Google, showcasing our commitment to professionalism, transparency, and respect. Additional reviews can also be found on:

Does Summit A*R comply with regulating agencies?

Summit A*R has an impeccable compliance record with all regulating agencies nationwide. We follow industry rules and guidelines while still maintaining a respectful and dignified relationship with every individual.

Throughout our 28 years of operation, we have developed a pristine reputation and close affiliations with numerous reputable organizations, including the American Association of Health Administrative Management and the International Association of Commercial Collectors.

How does Summit A*R approach collections?

We approach our work with our unique and respected “P.H.D. Philosophy” (Preserve Human Dignity) to help our clients maintain positive working relationships while respecting those we contact on their behalf.

We approach every interaction with compassion and respect while adhering to our industry’s rules and regulations. We get our clients the results they deserve while preserving their reputations and ensuring the individuals we’re collecting from feel they’ve been treated fairly and with compassion.

How to resolve a debt with Summit A*R

At Summit A*R, resolving your debt is a straightforward process.

To get started, contact us by phone at 888-212-2021 or via email. You can also access the contact form on our website. Our team will guide you through the collection process.

If you’re ready to make a payment, use our secure online payment portal. This convenient option is available 24/7 and accepts all major credit cards.

What is the phone number for Summit A*R?

If you’re looking to make a payment or are calling about any debt you owe, dial 888-212-2021 and press 1 to speak with a member of our staff. If you’re a current client, press 3.


Still have questions?

We’re happy to help! Contact us directly to get fast, personalized assistance from a real human being.


Ready to put Summit A•R to work for you?

Our suite of services provides comprehensive collection solutions across a wide range of industries, and can be tailored to suit your business’ unique needs. See what Summit A•R brings to the table ›