Credit Card Debt Collection Services
Credit Card Debt Collection Services
BOOST CASH FLOW WITH A PROFESSIONAL CREDIT CARD DEBT COLLECTION AGENCY
Improve Your Credit Card Debt Collection with
A Robust Recovery Approach
The credit card industry has experienced significant growth in recent years, with more consumers relying on credit for everyday purchases. However, this expansion has also increased delinquent accounts, turning potential revenue into bad debt. Companies need specialized credit card debt collection services to manage these challenges effectively.
Fusion CX provides comprehensive, multichannel collection services to help you stay delinquent-free. As a nationally licensed debt collection agency, we combine extensive experience, strategic approaches, and cutting-edge technology to contact, negotiate, and collect payments at any stage of delinquency.
Our tailored debt recovery efforts enhance your profitability. We utilize the latest tools and technologies for both early-stage and late-stage collections. As a multilingual, multichannel agency, we ensure timely and FDCPA-compliant collections while maintaining professionalism and customer care.
Early-Stage Delinquency
Credit Card Debt Collections
- Cost-effective IVR-based roll rate reduction strategies
- Dedicated leadership pushes performance metrics daily
- Focused prime-time calling optimizes RPC
- Flexible staffing and space available to staff large projects
Late-Stage Delinquency
Credit Card Debt Collections
- Three-day follow-up process with creative payment solutions including rolling back PAST DUE counter
- Dynamic skip-tracing function, increasing RPC, and minimizing write-off exposure
- Automated digital message support programs
- Mail shop for letter and statement integration
Our Services
Features and Benefits
What Makes Our Credit Card Debt Collection Services Stand Out?
Experienced Team
Our dedicated team of experienced credit card debt recovery experts works towards ensuring 100% recovery while delivering a high-quality customer experience
Quality Assurance
We ensure 100% quality assurance for all our credit card collection calls, with call recording and scorecard ratings. All our calls comply with regulatory standards.
Prime Time Calling
We specialize in prime-time calling and follow-up within 2-3 days for early-stage credit card collections, optimizing customer contact and increasing recovery rates.
Skip Tracing
Our skip-tracing technology corrects bad phone numbers, increases right-party contact (RPC), and minimizes delinquency rolls. Our first-contact resolution strategy further helps increase your bottom line.
Results-Oriented Payment Options
We offer dynamic self-cure and web-based payment solutions, enabling your customers to make prompt, convenient payments in guaranteed forms.
Automated Digital Message
Our standard credit card debt collection process involves sending automated notices and messages to your delinquent credit card account holders as warranted.
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Frequently Asked Questions
A credit card debt collection agency will negotiate a mutual settlement to resolve your outstanding balance. The debt collection agency will remit the funds, and the account will be settled with no further balance due.
Avoiding credit card debt collection may lead to a lawsuit against you. Failure to pay debt may lead to legal compliance; however, if a debtor cannot agree, it’s best to seek help from the collection agency or negotiate.
A debt collector can collect for up to six years from the last payment. After this period, they may no longer pursue legal action for an unpaid balance. However, making a payment can restart the six years.
If a debtor continues not to pay, the credit card company may close the account. The issuer may eventually sell the debt to a collection agency, and the account will be reported as past due to the credit bureaus, significantly affecting credit scores. Collection agencies may also add late fees.
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