Contingency Recovery Service

PFC’s contingency debt recovery service allows you to submit accounts at no cost. PFC will introduce a competitive contingency fee and provide collection services until the account is resolved.

SMART Analytics:

When determining the consumer’s ability and willingness to pay off a deliquent account, PFC utilizes Strategies for Maximum Accounts Receivable Management Turnover (SMART) analytics to evaluate the consumer’s payment behavior data – ensuring accounts are optimized within our workflows.

Locate Lost Customers

At PFC, every effort is made to find your customers and locate their assets. Internal skip-tracing techniques are systematically executed for every account followed by the use of online local and national databases with real-time updates to locate lost customers.

Report To Credit Bureau

PFC reports valid claims to the three nationwide credit reporting agencies: Equifax, Trans Union and Experian.

Industry-Leading Compliance:

When it comes to accounts receivable management, PFC’s standards for compliance are unmatched. Our in-house legal counsel and compliance team stay abreast all industry regulations so you can place your accounts with confidence. PFC’s compliance program, QA360, utilizes robust tracking and reporting tools to evaluate compliance issues and trends and is able to link together nonconformities, complaints, client issues, and IT issues, creating a visual representation of root cause analysis and documented continuous improvement.

Flexible Debt Recovery

Our objective on every contact with your customer is to resolve the account. This often results in payment in full. In our first contact we assess your customer’s financial condition and determine the feasibility of an immediate payoff. For consumers that are unable to pay accounts in full, PFC will arrange a temporary payment plan.

We Listen First

Our Recovery Specialists are trained to be effective listeners as it is essential to gathering the information needed to evaluate the customer’s situation. By documenting information effectively, our recovery specialists can determine the best course of action in current and future collection efforts.


Our call analytics program allows PFC’s Professional Development Specialist to review call recordings and provide practical training to phone representatives. PFC’s unique approach to phone training has been highlighted in ACA International’s Collector Magazine.

Gaining Customers’ Confidence

An important factor in resolving debt quickly is to get customers on our side. Recovery Specialists accomplish this by treating your customers with dignity and respect. Positive communication with your customers will help them understand it is in their best interest to resolve their account.


With Omnichannel Preferred Solutions, PFC makes it easy for your consumers to communicate with us and receive account updates in a manner that is custom-tailored to their needs. Whether it’s paying their bill, accessing their account, or chatting live or virtually with our friendly representatives, PFC is the pinnacle in consumer engagement.

Advantages of PFC’s Collection Service
  • Third Party Debt Recovery with Competitive Rates
  • No Up-front Costs
  • All Recovery Specialists Certified Through ACA International
  • Customer Friendly Approach
  • Report to Credit Bureaus
  • Locate Lost Customers
  • In-House Attorneys
  • Litigation Department
  • Easy Client Set-up
  • Online Account Management