Collections work demands precision and compliance. FMCC agents are trained in FDCPA and certified for PCI DSS payment handling, so every conversation and transaction meets regulatory requirements. We manage inbound and outbound calls, explain settlement options, set up payment plans within your parameters, and document every interaction to your software for a defensible audit trail.

When accounts require extra research, we support skip tracing using client‑approved databases and workflow steps. Disputes, bankruptcy notices, and attorney‑only matters are escalated immediately per your protocols. Our goal is to maintain dignity and respect while advancing the account toward resolution.

Because we mirror your scripts and incentives, results remain consistent across teams and time zones. Real‑time dashboards show volumes, promises‑to‑pay, kept‑payment rates, and compliance flags so you can coach and forecast accurately.

Outsourcing to FMCC gives firms scalable capacity without compromising risk controls. The outcome is higher recovery at lower cost—and a reputation for professionalism that opens doors with new creditor clients.