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CELCO™ specializes debt recovery services for delinquent consumer and commercial accounts. We have the right solutions to collect personal and business taxes, medial debt, and student loans for your organization. We also offer a variety of services to meet your various outsourcing needs.



Collection Services:
Consumer & Commercial, Medical Claims, Student Loans, Taxes

CELCO handles third party collections for both consumer and commercial accounts.  CELCO's Collection services focus on managing all aspects of the revenue recovery cycle to maximizing results. The CELCO process utilizes state-of-the-art technology and integrated solutions to allow all aspects of the collection process to be handled by our well-trained account representatives. We work all accounts with the highest standard of quality and professionalism independent of the size. All processes of our recovery services follow strict compliance and regulations of the Fair Debt Collection Practice Act ("FDCPA") and the Consumer Financial Protection Bureau("CFPB"). No matter what kind of debt needs to be collected, it is our commitment to help our clients achieve their debt recovery goals. 

Print, Mail, and Invoicing Services

CELCO's Print, Mail, and Invoicing services are designed to save you time and money while providing you with the safety and security of your critical documents. No matter what your needs are, CELCO can design a customized solution to fit those needs. Our cost-effective, high quality solution captures scanned images of all your documents and tracks the delivery through the entire production process. We prepare all documents according to the U.S.P.S. postal automation standards and can support any document type or size, including single or multiple pages, with or without special enclosures. 

Payment Processing

CELCO 's Payment Processing service allows you to manage all aspects of your financial activities quickly and efficiently. Our fully integrated, secure solution allows for payment processing via the Internet or in-house processing service. We offer online access to your account to check the status of payments, weekly payment transactions and month end results. These reports are available in real time and can be customized to fit your needs. 


CELCO's Pre-Collection Service offers you a low cost approach for reminding customers of debt obligations. Our most popular Pre-Collection program consists of a two letters campaign that directs the customers to remit payment to your office. Depending on your needs, we can customize a solution that works for you.

Litigation (Legal Process)

CELCO joins efforts with a number of professionally established law firms specializing in Debt Recovery Litigation. Our engaged lawyers aggressively pursue the collection of debts on behalf of our clients while maintaining strict adherence to the Fair Debt Collection Practices Act and other applicable statutes governing the collection practice in general. The firms work with state agencies, officers, and asset recovery specialists to provide the quickest and most cost efficient means to collect our client's outstanding debt.

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