Contact in days
The median account hears from us within two days of placement, and every account gets live-agent calling from the day it arrives, regardless of balance.
Contingency collections since 2001
Recover more. Protect your brand.
FCR Services recovers past-due receivables for businesses, platforms and public agencies, with fast first contact, persistent outreach and compliance built into every step.
- Founded 2001Same leadership team for 25 years
- Licensed in 49 statesBacked by a formal compliance program
- English and EspañolService in both languages
- Contingency onlyPaid only on what we recover
Why FCR
Collections handled the way you would handle them yourself
Your brand, protected
Every letter, email, text, script and AI prompt is reviewed by our Compliance Officer and approved annually by outside counsel. Your customers are treated as your customers.
Paid only on results
Contingency only. No setup, monthly, minimum or portal fees. Skip tracing, the client portal and reporting are included.
How we work
From placement to remittance
Secure intake
Placements arrive through authenticated, encrypted channels.
Screening
Every account is scrubbed and screened before first contact, so outreach starts with accurate data.
Day-one attention
Key accounts go to a senior collector on their first day for research and a live call.
Persistent outreach
Letters, email, text, live calls and AI voice, within consent and frequency limits. Accounts are never left dormant.
Remittance and reporting
Monthly remittance with an itemized statement, and real-time status in the client portal.
Compliance and security
Your brand is safe with us.
A collection partner's conduct reflects on the company that hired it. We run our compliance and security programs with that in mind.
- A Compliance Management System modeled on the CFPB examination framework
- Semi-annual FDCPA proficiency testing for every collector
- Letters, scripts and AI prompts approved annually by outside counsel
- Our collection platform is SOC 2 Type 2 attested and PCI DSS compliant
- AI that is disclosed to consumers and supervised by people
Who we serve
Built for the receivables you actually have
Marketplace and technology platforms
High-volume programs with integrations and reporting.
Government and municipalities
Courteous, compliant recovery for public agencies.
Higher education
Tuition, fees and textbook rentals.
Energy and utilities
Bring recurring customers back on track.
Healthcare
Patient balances, recovered with dignity.
Commercial and B2B
Business-to-business receivables.
Low-dollar claims
Small balances, worked thoroughly.
NSF checks
Returned-check recovery is where we started.
Our bottom line has been impacted positively as we are seeing a 10% higher collection rate than previous terms.
Talk to us
Let's talk about your receivables.
Tell us a little about your accounts and a member of our team will be in touch.
- Prefer to call?949-440-4623
- English and EspañolService in both languages