Professional Credit Management, Inc.

man in an office setting smiling and reviewing paperwork

Delinquent Collections

If in-house delinquent collection efforts are proving to be difficult, costly, and a bit disappointing, PCM can provide premier collection agency services. Collection work is often tedious and challenging, but at PCM, we have experienced staff and industry-leading technology that has allowed us to recover debt at rates notably higher than national collection agency averages. PCM has access to legal counsel and utilizes a network of agencies and law firms for the collection of distant claims. We utilize various collection tools, including letters, auto phone dialers, national search directories, extensive local databases, credit reporting and much more! You help determine the collection tools that fit your situation and the needs of your business.

Early-Out Services

Our "Early-Out" services allow PCM to function as an extension of your accounts receivable department, without all the overhead such as employee costs, office space, and other valuable resources. PCM, through its subsidiary Trinity Billing Solutions ("TBS"), can act as your billing agent, produce / mail statements, setup payment plan options, create payment booklets and conduct written and verbal correspondence with consumers. You help determine the components that are appropriate for your business and consumers.

Account Scoring and presumptive charity

PCM offers an account segmentation program, "Acumen! Business Intelligence." By providing scoring mechanisms, we can predict accounts that will generate the most revenue, liquidate the fastest and those accounts that tend not to liquidate despite best efforts to the contrary. We can also help you with Presumptive Charity.

Payment Plan Management

We know that in today's economy, in order to be competitive, businesses allow customers to set up payment plans when necessary. Has managing and monitoring payment plans become an overwhelming job, costing too much in the way of time and resources? PCM can help. We have experienced staff, systems technology, and the "know-how" to manage and monitor payment plans in a cost-effective manner.

Artificial Intelligence

PCM uses AI to effectively predict payment probabilities. We can then focus our efforts on those accounts, resulting in larger collection checks for our clients.


Good question. For collection, early-out and payment plan management services, PCM works with clients on a contingency fee basis. Our clients pay us only when we are successful in recovering monies for them....No collection-no fees! We're motivated to recover your receivables! No up-front, hidden, membership fees or expenses. Contingency rates vary based upon factors such as volume, balances, and specific services provided. Please contact PCM for a customized quote.

Regarding Account Scoring and Presumptive Charity services, please contact PCM for a customized quote.

Having been in business since 1980, we can almost certainly assure you that if you're looking for contingency or flat fees in this industry lower than that of PCM, you can find them. We've seen competition absorb low rates, provide bad results, and come and go. Historically, PCM has provided a better net return to its clients than any of our competition. When shopping for collection services, please consider more factors than fee alone.

team of debt collectors