Third Party Debt Collection and Recovery Services
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We Collect Your Debts, You Collect Your Profits.

Ensure Better Recovery Through Third Party Collection

Optimum cash flow is essential to business success. But the increasing number of delinquent accounts poses a steep challenge for most businesses. With 20+ years of experience as a nationally licensed third-party debt collection agency, we can help you prioritize a healthy cash flow by leveraging a multichannel and compliant debt collection. We focus on increasing cash flow and reducing costs, which results in better revenue generation and superior engagement.

We have a team of recovery experts who can offer personalized multichannel third-party collection services to recover your delinquent accounts while delivering a superior customer experience. Our stringent compliance adherence, innovative technology, top-tier data security, and four-level quality assurance ensures an effective and more comprehensive collection effort..

With us as your 3rd party debt collection and recovery partner, you can focus on your core business efforts without worrying about diminishing cash flow, poor customer experience, and bad debt. Our excellent track record makes us the US market's most trusted third-party debt collection agencies.

Industries We Serve



As a reputed debt collection agency, we offer our healthcare clients a wide range of medical and healthcare debt recovery functions while adhering to industry compliances. We help you recover all your money using a multichannel communication approach.



We offer omnichannel AI-driven debt collection services to help our Fintech clients deliver a superior customer experience and earn better customer loyalty. Our customer experience and third-party collection services are designed to maximize collection for your fintech business.



The BFSI sector needs to improve its account receivable management services and strategies to enhance its profitability. As a reputed debt collection agency, we offer omnichannel and multilingual credit card debt collection solutions and B2B debt recovery services to help them augment their revenue while ensuring customer satisfaction.



We cater to the account receivable management needs of the automotive sector through compliant third-party debt collection across different channels while helping them ensure a better customer experience.

Features and Benefits

What Makes Vital Stand Out As A Third-Party Collection Agency

Dedicated and experienced
Propriety Software And SSAM

With our unique proprietary software, Score and Skill-based Assignment Module (SSAM), it is possible to immediately segment and align your customers with the third party debt collectors who are best suited for the unique characteristics of the account, ensuring more effective resolution.

Dedicated and experienced
Skip Tracing Technology To Increase RPC

We have skip tracing technology to connect with your previously “unreachable” customers, improving the effectiveness of automated letters and increasing Right Party Contacts (“RPC”). In addition, our penchant for first-contact-resolution (FCR) helps to increase the bottom line.

Dedicated and experienced
Web-Based Payment Solutions

We have dynamic self-cure and web-based payment solutions that enable your customers to quickly and easily make guaranteed payment, eliminating any NSF’s and administration costs associated with payment handling.

Dedicated and experienced
Experienced Multilingual Agents

We have a team of experienced debt collection agents who have in-depth knowledge of 3rd party debt collection. Our multilingual agents can quickly build a rapport with your customers and ensure prompt and effective debt recovery.

Dedicated and experienced
Quality Assurance And Compliances

We ensure 100% quality assurance and compliance adherence in each of our communications as a third party debt collection agency, ensuring that your accounts are collected as per the regulatory standards.

Dedicated and experienced
Automated Letter Service

As part of our standard collection process, we send automated notices to the delinquent account holders as warranted.

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Third party collection

Frequently Asked Questions

When should I hire a third party collection agency?

A third party collection agency is a firm not part of the initial transaction or contract. When collection efforts aren't as effective as they must be, creditors may partner with a third party debt collection agency to initiate payment. But you must also know that third party debt collectors are limited by law.

How does third party debt collection work?

Third party collections are made by collection agencies apart from the original crediting firm. When the original creditor fails to retrieve collections, the third party debt collection agency may initiate the payment using different collection strategies.

What happens when your debt is sold to a third party?

When the debt gets sold to a third party debt collection agency, the law requires agencies to provide written notice within five days of the collector's initial attempt to contact debtors. After that, there are limits to the actions collectors can take and the fees they can add.

How do you deal with third party debt collectors?

A consumer has the option to take private legal action against a third party debt collector if they violate the act. A consumer may file a complaint with the attorney general in case of third party debt collectors engaging in a false, misleading, or deceptive act of practice.