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What Do Collection Agencies Do

What do collection agencies do you ask?  The first thing once you receive a call from a collection agency your heart is beating harder and your mind is racing.  You may even realize you are behind or haven’t paid your bill but you were still dreading the phone call.   No need to be nervous you just need to understand the process and how you can reconcile it.

Keep in mind the collection agency ‘s end results is a paid invoice for their client.  They want to work with you.  They realize life happens and you probably didn’t intend for this to be turned to collections.

How Debt Collectors Work:

There are several ways Collection agencies operate.  Some operate in-house and someone from the company would be contacting you or they could be using a third party.   That would typically be an outsourced collection company or an attorney.   They generally would not contact you until you are 60 days past due.

They typically keep 25% – 45% of the recovered debt.  They recover for numerous types of industries such as medical, credit card, vehicle and home loans, unpaid utilities for just a few.

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Why Collection Agencies Exist

Why do collection agencies exist you ask?  No matter how great the company, there are going to be bad debts.  A Collection Agency exists to assist the business owner in securing that unpaid debt.   No business is too small or too large to have delinquent accounts.   If the company continues to try and collect on their own, they risk several things.

  • Taking too long and having to write it off
  • Approaching it without knowing the laws and getting in trouble and spent a lot more than they collect
  • Not having the necessary tools to track the debtor down if he/she moves

3 Techniques for Critical thinking!You probably wonder how they charge

Many think it is too expensive for little results.   How they charge is a great question as some collection companies charge a large fee upfront and they don’t push to collect like those who you only pay if they collect for you.   The latter option leaves those business owners with a win-win.   

Allowing a collection agency to work on your behalf allows you to retain that customer and their referrals in the future.  It takes the emotion from the equation as this could be someone you have known for years or even a family member. You do want to do your due diligence and search for a reputable collection agency like MCA Collection Agency with their A+ BBB rating.  They can help you if your business is in MO or TX.

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Signs You Need to Outsource Collections

Signs you need to Outsource Collections – As any business owner knows running your own business is not easy.  It not only takes a large investment but it is an extreme investment of your time. You have to make sure things are running smoothly and successfully.  As business owners, the last thing you want to be doing is chasing down payment for unpaid invoices.   Doing something you are not passionate about can also be an energy suck causing you to be less productive.   Here are some simple suggestions that can help make things a little less stressful.  In MO and TX debt collection agencies may be able to help you get back on track. Here are some signs that you might need to consider hiring a debt collection agency.

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MO and TX Collection Agency Top 10

Looking to hire a collection agency?   Here’s MO and TX Collection Agency Top 10.

When you decide upon a collection agency to do business with there are a few things to makes sure you check out the top 10 questions to ask.

  1. What kind of rating do they have with the Better Business Bureau or do they even report to the BBB.
  2. What kind of track record do they have? What is their average retrieval of unpaid debt?
  3. Do they work in your industry or have they in the past?
  4. Is it a single person business or do they have a team working for you?
  5. How long have they been in business?
  6. Do they use skip tracing to find those debtors that might “skip” town?
  7. Do you get a REAL person when you call or do you continually have to leave a voice mail or worse only response is by email?
  8. How often do they keep you up to date on your invoices?
  9. How do they charge for their service? Do you pay a hefty fee up front or is it based on their success?
  10. Are they insured to protect you?

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Myths About Collection Agencies

7 Myths About Collection Agencies listed below:

Most people think Collection Agencies are out to get you. That is Myth #1.  We really want to help our client collect and work with those who have ended up in a bad situation.

Myth #2:  The Company will lose too much money if they use a collection agency

Myth #3:  Some think Collection Agencies are connected to banks.  That is inaccurate. A Bank can have their own collection agency. Just because you are working with an agency does not mean they have to have a bank affiliation.

Myth #4:  Many think there is a large upfront fee when you may or may not collect an unpaid debt.   Using a reputable company like MCA, there are no upfront fees.  If they don’t do their job and collect, you will never pay anything.

Myth 5:  Collection Agencies are debt buyer.  There are companies that do buy debt for a percentage and then collect all they can.   That is NOT a Collection Agency.

Myth 6:  Collection Agencies treat your past clients rude and uncaring.  That may be true for some but you will never find that working with MCA Collection Agency.  We believe everyone involved should be treated with respect.  We have a job to do but we will be professional in all steps in the process.

Myth 7: It takes a long time to get paid after the Collection Agency collects.  We realize this debt is causing your cash flow to be affected and we want to get you paid as quickly as possible once collecting your unpaid debts from your debtors.

Highly recommend making sure whatever collection agency you work with, you check out their BBB rating.  We have an A+ because we take good care of our clients and hold them in the highest regard.   We would love the opportunity to have a conversation and see if a partnership with us might be one of the best investments you ever make as a business owner.

MCA is a third party debt collection agency that has been in constant business since 1950.  We are rated A+ with the Better Business Bureau and we pride ourselves in excellent customer service along with delivering great recovery rates.  There is no cost to you unless we collect!  Why not try and re coop some of your past due accounts with no out of pocket expense?

Teaching Your Children to Save

Teaching Your Children to Save is priceless developing their lifestyle when they are grown.
Start with their first piggy bank. Let them begin when they are young. Make it fun and easy to save. Teach them the goal is to fill up the bank. Encourage them to put any change they receive into their bank and not spend it.

Open a savings account for them. Recommend taking a percentage of all gifts and money earned and put into their savings account. A perfect example of compound interest is to show how doubling a penny once every day for 30 days will eventually generate $10 million dollars!piggy-bank-1446874_1920

Create a visual. Draw a thermometer on paper to show how much they are saving, allowing them to see the progress. Another Visual would be using a long strip of paper and a marker. Have $0 on one end and $100 on the other end. Create milestones $5, $25, $50 etc. Depending on their age give our sticker rewards.

A clear jar is another great visual for kids to see results as the jar fills. Have a goal of how much they want to save before they take the money to the bank to put into their savings.

Be a True Example. Show how you are putting money in your savings. It could be that you share with them the envelope system by money guru Dave Ramsey. You break money down into 3 or 4 sections and put them money in each of the envelopes.

Talk to your children about money. They do not teach this in the schools so it is up to the parents to make sure children understand how to save or they will always live paycheck to paycheck.

Asking right questions can get them to think long-term and have a positive relationship with money. Letting your children know you’re always open to have a conversation about money can encourage them to ask questions. It is a tough learning curve.

MCA is a third party debt collection agency that has been in constant business since 1950.  We are rated A+ with the Better Business Bureau and we pride ourselves in excellent customer service along with delivering great recovery rates.  There is no cost to you unless we collect!  Why not try and re coop some of your past due accounts with no out of pocket expense?

Take the Mystery out of Choosing a Collection Agency

Would you like to take the Mystery out of choosing a Collection Agency

You are a successful business but the cash-flow is slowing down because you are not keeping up with collections.  Your staff hates collections and the morale is going down quickly… Time to hire a Collection Agency.Man with magnifying glass

You want to know these 8 things before you sign a contract.

  1. How do they charge?  If they charge an upfront fee turn and run.  You want a company that only charges you if they do a good job.
  2. What is their success rate? In other words how fast should you be able to get your money…
  3. How will the Agency keep your abreast? Ask!  Be sure to find out how they will stay in contact with you.
  4. Is the Collection Agency Licensed and Bonded? You want to confirm this as it protects you the client
  5. Do they expertise in your industry?  Not that they can’t learn your industry but typically your collections will go a lot quicker if they are familiar as they also know the laws for each.
  6. Do they offer Skip Tracing?  This is how they find people that “Skip” town. This is just a customized software that assists in finding those in collection.
  7. What is their BBB rating?  You want an A or A+ rating.  This proves how they take care of their clients.
  8. How is their customer service?  This not only applies to your needs but the needs of your debtors.  You want an agency that will try to salvage the relationship between your and the debtor.

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Local Marketing

When it comes to Local Marketing not everyone understands the importance of local directories!

You may have ignored your local search options in the past but that is no longer an option. You may have not done this intentionally but this is a must since it is a way for the playing field to be fair for every business owner.   If you want to be seen on Google this is a must!

This is the first-place Google recognizes you as a business.   We live in a google search first society.

Let’s make sure you are listed.


What Is Local Search?

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When to Use a Collection Agency – Medical

When do you use a collection agency?  

Let us share with you, as this is not only true for medical collections but for any type of patient/customer bills.  There is a time to consider letting a collection agency take over your patient past due bills.  You need to have a system in place ahead of time. Then the process will work like a well-oiled machine. Doctor


With the increasing costs of healthcare, it creates a need to be efficient.  Especially in the way you collect from patients.   You need a company who will work well with your clients yet will keep your cash flow moving smoothly.     Set up your system yet don’t over work or stress your staff with a job most really dislike of collections.  


Things have drastically changed in the last few years.  Procedures that use to be covered by their healthcare insurance is no longer covered.  In years past It used to be $10 – $40 on their co pays.  Over the last few years that has drastically changed to high deductibles.  These can be in the hundreds to thousands of dollars to cover just one procedure.  Which in turn causes the medical office to spend a larger portion of their time trying to collect.  (Typically, this is not the area of their expertise and you are overpaying for them to do this job)


Make a reputable A+ Rating Collection Agency your solution.  Again, plan ahead and include a process.  Your staff will know exactly when to send it over and let the collection agency do what they do amazingly well.  They can collect for you while keeping your patient happy. This same patient will continue coming to you in the future. 


Keep in mind your collection agency you choose will not be collecting anything from you unless they collect for you.   Don’t let an agency talk you into paying up front.  This keeps them on your team collecting all they can as quickly as they can. 


MCA is a third party debt collection agency that has been in constant business since 1950.  We are rated A+ with the Better Business Bureau and we pride ourselves in excellent customer service along with delivering great recovery rates.  There is no cost to you unless we collect!  Why not try and re coop some of your past due accounts with no out of pocket expense?

Focus = Productivity

Focus will influence your productivity.  Have you ever considered all the things in your day the compete for your attention?   You would think with all the technology today we would have more time not less.  You would think with the way technology has allowed us to automate and streamline so many tasks life would be easier.  Yet in many ways it has clogged up our efficiency and because of learning curves it has caused us to lose focus and waste time.

Dog and catWe have been taught you must be good at multi-tasker to be productive.  This is the biggest lie we have been sold in business and life.  Successful men and women have learned that true focus is the KEY to productivity and greater success.

If you think multi-tasking is wise, let me ask you this.  When you are listening to a webinar online and you are looking at your email, text etc.  Can you really tell me what the webinar was about and what did you miss?  Did you respond with a clear mind to the emails correctly?  Did you catch that auto correct on your text?   Exactly!  The term one track mind has been said in a derogatory context but that is what we need to have to be productive.  It is called FOCUSED!

Focus means you should be able to get up each day with a clear idea of how that day should go and if you take each task one at a time and complete that you will have a greater sense of accomplishment.

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