Debt Collection & Recovery Service Agency for Automotive Finance
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Automotive Debt collection services to Maximize Payment Recovery

Boost Your Automotive Debt Collection Approach with Market-Proven Recovery Strategies

As the automotive industry grows, the auto finance industry grows with it. Studies show that more than 85% of new cars are financed. And in the wake of recent financial instability, a significant part of those financed accounts is failing to pay their dues on time, both in the case of prime and sub-prime loans. To recover these payments, it is better to outsource your automotive debt collection services to an expert automotive debt recovery agency.

With 20 years of experience in providing automotive debt recovery services, Vital can be your ideal choice for auto loan debt collection. Our professional staff successfully services both prime and sub-prime loans for early-stage and late-stage automotive finance collections while maintaining positive customer experience and protecting your public image. Our goal is to improve your profitability and raise your current service and performance standards.

We take pride in having the perfect combination of skill, experience, expertise, and technology to ensure maximum recovery of your debt. Our skip tracing technology makes locating and connecting with your previously “unreachable” customers a lot easier and improves the effectiveness of automated notices. We ensure increased Right Party Contacts (“RPC”) and collection and lower delinquency rolls.

Our Services

Dedicated and experienced

Customer Service

We offer impeccable customer service across all channels to ensure better customer satisfaction even during the automotive collection phase. Our multilingual multichannel customer service can help you better cater to your customers.

First-Party Collection Services

First-Party Collection

Our effective and compliant first-party collection services help you maximize revenue with optimum auto loan debt collection from your delinquent accounts while ensuring a high-quality customer experience. With us as you collection partner, you can see a significant improvement in your cashflow.

Third Party Collections

Third Party Collection

We are a nationally licensed third-party debt collection agency with a proven track record of maximizing automotive debt recovery for your company while also delivering a superior customer experience at each interaction. Our customer-centric and compliant approach to debt collection can improve cashflow and facilitate business growth.

Third Party Collections

Digital Solution

As a reputed digital transformation solutions provider, we offer end-to-end digital transformation services to boost operational efficacy using automation, AI, and ML. Our digital solutions can help you minimize operation cost and human errors during the debt collection and improve customer communication and collection performance.

Features and Benefits

What Makes Vital Your Automotive Debt Collection Partner

Dedicated and experienced
Dedicated And Experienced Automotive Finance Staff

We have a team of experienced automotive debt recovery experts who ensure the recovery of every dollar you have earned.

Dedicated and experienced
Call Recording, Scorecard Rating And Prime Time Calling

We have a stringent quality assurance procedure in place. We ensure 100% quality assurance, complete with call recording and scorecard ratings. In addition, each of our communication is compliant with the regulatory standards associated with car loan recovery.

Dedicated and experienced
In-House Mail Shop And Statement Integration

We have an in-house mail shop that allows us to integrate any statement. We can send direct mails and automated e-messages to the delinquent accounts.

Dedicated and experienced

Our skip-tracing technology corrects bad phone numbers, increases right party contact (RPC), and minimizes delinquency rolls. It, in turn, increases your bottom line.

Dedicated and experienced
Results-Oriented Payment Options

Our dynamic self-cure and web-based payment solutions enable your customers to quickly and easily make guaranteed payments.

Dedicated and experienced
Automated Digital Message Support Programs

Our standard auto debt collections process includes sending automated notices and messages to your delinquent account holders as warranted. By increasing right party contact (RPC) through skip-tracing, we can increase the effectiveness of these emails and improve your bottom line.

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Frequently Asked Questions

Can a car loan be sent to an automotive debt collection agency?

The lender has a right to collect the deficiency balance. When the debtor fails to pay, the automotive debt collection firm may take further action, including filing a lawsuit that leads to wage garnishment or a lien on the property.

What happens when automotive debt goes to a collection agency?

The debtor will likely deal with an automotive debt collection agency when the lender charges off the auto loan. The charged-off accounts can significantly affect the credit score. Meanwhile, the collection agency will initiate the payment process as quickly as possible.

What is the total period for chasing car debt?

Most debts are up to 6 years since the last payment. With the period, the automotive debt collection agency may send court papers telling whether they will take you to court. In addition, filing the lawsuit may quickly initiate revenue flow.

What is the best way to get out of automotive debt?

Paying off the car loan is the best way to get out of the car loan. When a debtor pays off the loan, the collection agency will send a letter confirming that the loan is satisfied and the lien gets removed.