Direct Collections

Let us go to work for you. Accounts that are placed with us are handled professionally, compliantly, and as if they are our own.

  • Delinquent accounts may be reported to the three national credit bureaus. (some exceptions may apply)

  • All accounts are skip traced, sent letters, and called by our professional agents.

  • Should a legal strategy be necessary, we search for places of employment and potential assets.

  • If a legal strategy is required, we cover all fees and collect from the individual if a judgment is obtained.

  • We offer competitive rates based on the type of account and volume of placements.

We take great pride in our legacy, our culture, and our work. Sign up with us now and see what has made us so successful.

Commercial Collections


Commercial collections require a different skillset and expertise. PCS’s continued success in both consumer and commercial collections sets us apart from the competition!

  • Our specialists understand the difference between consumer and commercial collections.

  • We can collect from companies of all shapes and sizes.

  • Our collectors work hard to identify the right person in charge and negotiate the highest repayment possible.

  • It is our goal to develop long-term partnerships and be there to handle your placements for years to come.

  • Our fee is 25% of the amount collected for any balance over $300.

Sign up with us and find out what separates us from all other agencies that claim to specialize in consumer and commercial collections.

Free Letter Service

An easy — and free — way to try and collect the low-hanging fruit of your unpaid accounts.

  • Placed accounts are sent two letters, 10 days apart from one another.

  • The letters request a payment in full and instruct individuals to contact your office.

  • The letters are sent on Pacific Credit Services letterhead and include remittance instructions to pay your office directly.

  • You keep 100% of what is sent to you. There are no fees for us to provide this service to you.

  • If there is no response, the account can be moved to our Direct Collections team for a more comprehensive approach.

With our free letter service, you have nothing to lose to try and recover your unpaid debts. Contact us today to get started.

Medical/Dental Collection

Debts related to healthcare, such as medical or dental accounts, are different from other traditional types of debt. Often, healthcare debts are the result of an unforeseen situation and require different handling.

  • Placing accounts with us allows your office to focus on what it does best — helping people — while ensuring that someone who cares about your patients as much as you do is working with them on repaying their debts.

  • Save time and money by putting us to work for you.

  • We can work with individuals — and their insurance companies — to make sure everyone is paying their fair share.

  • If needed, unpaid debts can be reported to the credit bureaus and a legal strategy can be deployed to obtain a judgment in your favor.

  • Like you, it is our intention to “do no harm” but to work with individuals to find a financial solution that works for everyone.

You would never ask us to do a root canal or diagnose a disease. So why should anyone ask you to collect on unpaid debts? Place your accounts with us today and free up valuable time and resources for your facility.

Judgment Recovery

Unfortunately, sometimes a legal recourse is the only way to recover an unpaid debt. In those situations, we have the expertise and wherewithal to make sure the process is done compliantly and professionally.

  • We identify if there are assets or attempt to verify the individual’s place of employment.

  • We advance all legal costs. There is no up-front expense to you to pursue this action.

  • If we obtain a judgment, any legal fees are recovered from the consumer.

  • We offer competitive rates and there is no charge unless a recovery is made.

You have already spent the time and money to obtain a judgment. Now, let PCS’s trained judgment recovery specialists recover the money you have been awarded by the court.

Client Services

Pacific Credit Services has been in business since 1947. In that time, we’ve learned a thing or two about how to treat a client.

  • All clients receive secure, confidential access to our software to monitor the status of your accounts.

  • We are available 24/7 to answer any questions or concerns.

  • We treat your accounts as if they were our own.

  • We proactively make suggestions to help you improve the amount we recover for you.

  • There is never a fee to work with us. We only make money when we collect for you.

Sign up with us today to see why so many other companies have remained a valued partner.

Ready to talk?

Reach out to us today and let us go to work for you.

Let’s Talk