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Private Collection Agencies:
Contracted Debt Collection Services


Under the Debt Collection Improvement Act of 1996, the Department of the Treasury is required to maintain a schedule of private collection agencies (PCAs), which are private sector companies with expertise in the area of debt collection, to assist the government in its debt collection efforts. As part of the Cross-Servicing program, the Treasury Department attempts to collect delinquent debt through several means, including demand letters, telephone calls, the Treasury Offset Program (TOP), administrative wage garnishment, and credit bureau reporting. After Treasury has attempted to collect the debts internally, the debts are generally sent to the PCAs for collection activity. The activities of the PCAs are monitored by the personnel of the Receivables Management and Debt Services Division of Debt Management Services (DMS).

What is a private collection agency? A private collection agency (PCA) is a private sector company specializing in the collection of delinquent debt. A PCA will attempt to find and contact a debtor by searching various databases, making telephone calls, and sending collection letters. Once the debtor is located and contacted, the PCA will encourage the debtor to satisfy the debt. A PCA may help Treasury resolve the debts through negotiating payment in full, a payment agreement, utilizing administrative wage garnishment, or finding that the debt may be resolved administratively.

Fiscal Service awards PCA Task Orders. Fiscal Service awards Task Orders to PCAs for debt collection services under a General Services Administration Schedule. Fiscal Services’ current Task Orders to enlist the services of PCA contractors became effective on March 12, 2012. These Task Orders were awarded in order to increase the recovery of and resolve delinquent non-tax federal debts. The Task Orders were awarded for one base year, with four one-year options available. Fiscal Service awarded the following contractors a debt collection Task Order to provide delinquent debt collection services:

The CBE Group, Inc.
P.O. Box 2040
Waterloo, IA 50704-2040
Phone Number: 1-866-895-4766

ConServe, Inc.
P.O. Box 1528
Fairport, NY 14450
Phone number for consumer debts: 1-866-547-0501
Phone number for commercial debts: 1-866-562-3255

Performant Recovery, Inc.
P.O. Box 9046
Pleasanton, CA 94566-9046
Phone Number: 1-888-310-2006

Pioneer Credit Recovery, Inc.
P.O. Box 189
Arcade, NY 14009
Phone number for consumer debts: 1-877-907-1820
Phone number for commercial debts: 1-888-261-7783

PCA Performance. PCA contractors continue to provide valuable services to DMS. From October 1, 2014, to September 30, 2015, the PCAs collected over $112 million, and resolved over $1.2 billion, in delinquent, non-tax debt owed to the government.

Contacting the PCAs. Each PCA may be contacted at the address or phone number shown above by anyone with questions concerning a debt or their services.

How are these agencies regulated? The collection efforts of the PCAs are governed by various federal and state laws, including, but not limited to, the Fair Debt Collection Practices Act, the Federal Claims Collection Standards, and the Privacy Act. Collection agency employees are trained to comply with all applicable laws and regulations. Under Fiscal Service’s Task Orders with the PCAs, there are numerous controls to ensure that debtors are treated fairly. The Receivables Management and Debt Services Division of DMS closely monitors the activities of the PCAs on a daily basis. When DMS is notified in writing of any complaint concerning a contracted PCA, the evidence is reviewed, documentation is gathered, and action is taken to correct the situation, if necessary. In addition, DMS personnel conduct on-site Compliance Reviews of each PCA on a rotational basis, to ensure that all aspects of Fiscal Service’s Task Orders are being adhered to by the PCAs.



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