Collection Process

Fidelity prides itself on being a “full service” collection agency utilizing a variety of skip tracing and asset locating tools.  Our collection process strictly adheres to the guidelines set forth by the FDCPA

  • Collection notices sent with applicable federal and state law language
  • Credit Bureau reporting
  • Calls generated by professionally trained collectors and a cloud-based IVR messaging system
  • Our primary goal is to obtain payment in full via secured payment methods such as credit cards and checks by phone
  • Payment arrangements secured only after proper negotiation and investigation steps have been taken
  • Collector stations interfaced with skip tracing tools that provide additional leads or assets such as employment, updated addresses, real estate ownership, relatives, surnames and landlords
  • Collection accounts scrubbed for Bankruptcy and Decease


Legal representation will be recommended based upon the proper court jurisdiction once all normal collection processes have been exhausted:

  • Proper asset information such as employment and/or real estate is located and verified
  • Key factors considered:  Time on job, wages, type of job and value of real estate
  • Management reviews the debtor file to assure all proper collection steps have been completed
  • The amount of court costs and balance of account is considered when weighing the value of recommending suit
  • Request for litigation is submitted in writing to the client for approval