Here are a few things you can expect when working with a collection agency.  It is actually very simple.


Remember, they are responsible for collecting the debt from you as they have been hired by the company you owe the debt to in fact, do to this.  It is their job, and who doesn’t want to do their job well?  They will take whatever measures necessary to find you and collect.  The best option is to work with them and find a solution that is best for both parties.   Keep in mind they are not out to get you.  They know life happens, and sometimes even with the best intentions, the bills can’t be paid.  Share with them WHY you couldn’t pay and let them help you.  It could be the loss of a job, medical bills, injuries, sick family members, or underestimating the cost of something.  It indeed can be a multitude of reasons.  We don’t believe most people try to get by without paying their debts.

Working together is your best solution!


They are professionals, and they are looking for a win-win.  They want to work with you.  Stay true to your work and arrangements; it will be a win-win.

Working with them will make your experience much better.


Don’t run because you can’t hide.  They have software to find you no matter where you move.  Yes, even out of state.

Answer the phone calls if you want them to be understanding because you only irritate them if they have to continue wasting their time trying to get a hold of you.  The best scenario is to answer the first time and work out a simple solution.  The same goes with letters.  Call them as soon as you get a letter so you can start the process for a solution.


MCA is a third-party debt collection agency that has been in constant business since 1950. We are rated A+ with the Better Business Bureau and we pride ourselves on excellent customer service along with delivering great recovery rates. There is no cost to you unless we collect it! Why not try and re-coop some of your past due accounts with no out-of-pocket expense?