Capital Management Services Delivers Measurable Results

Accelerate collection efforts and increase compliance

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Product Expertise

Capital Management Services (CMS) develops competitive strategies that generate measurable results for our clients. By striking a healthy balance of performance and compliance, we successfully accelerate collection efforts to deliver unparalleled service and results. We prioritize flexibility, scalability, and capability to meet the specific requirements of your receivables portfolios. CMS strives to surpass industry standards of quality to provide recovery services that give our clients a rapid, reliable return on investment.

Credit Cards & Installment Loans

We provide effective receivables recovery and call center services for credit card issuers, banks, and lending service providers of all sizes. As an outsourced call center and account recovery solution, Capital Management Services can handle large-volume inbound account applications and activations, inbound customer service and pre charge-off collections, customer correspondence, complaint management, charged-off accounts, and more. 

Our call center professionals receive extensive initial and ongoing training in the Fair Debt Collection Practices Act (FDCPA), TCPA and all applicable rules and regulations governing the credit and collections industries to ensure compliance and positive customer experiences. Our systems and processes accelerate the payment process and generate revenue for our clients. CMS efficiently navigates the challenges faced by lenders and other creditors during the recovery of outstanding accounts. Our customized strategic plans free capacity for clients and increase recovery rates.

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Mortgage and Home Equity Lines of Credit

Mortgage and HELOC portfolios are unique and require specialized knowledge. They not only require complex documentation but also compliance with intricate regulatory requirements. The Capital Management Services mortgage customer services team is proficient in the special features of mortgages and their associated processes. We can handle your consumers’ questions about interest rates, balloon payments, insurance premiums, and the removal of PMI. 

Our team has the knowledge to handle consumer needs with skillful support, and we offer 24/7 after hours customer service. From payment processing to general account record maintenance, we can support mortgage servicing call center needs with knowledge and professionalism. We service first and second mortgage loans, HELOCs and PHLs, mortgage restructuring, short sale modifications, and more to provide comprehensive and streamlined customer support.

Default Mortgage Collections

Capital Management Services has the experience and capacity to integrate default mortgage collections into our comprehensive services or work specifically with defaulted mortgage portfolios to achieve effective recovery results. Our customized mortgage and HELOC recovery strategies are specifically designed to exceed stringent legal requirements while protecting your business and your brand. By adhering to high standards and best practices, we achieve maximum recovery results with efficiency and compliance to protect our clients’ bottom lines. 

Our team of specialists is adept in providing first-party collections pre-foreclosure in addition to supporting customers with financial hardship processes associated with delinquency. We are experienced in handling issues and mortgage processes pertaining to unemployment, divorce/separation, medical issues, loss of family, military deployment, retirement, and disasters.

An expert helping the consumer to take a right decision

Health Care and Insurance

Capital Management Services is trusted by some of the nation’s largest healthcare systems and medical insurance providers to handle telephonic account inquiries, customer support and revenue cycle processes. We recognize that these accounts require an especially compassionate approach and a thorough understanding of the unique privacy and compliance demands including HIPAA requirements. Our team has the expertise and professionalism to manage and recover medical accounts with a respectful approach and a strict adherence to pertinent privacy rules and regulations. 

By leveraging our technology systems and call center services, one of our healthcare partners retained over 60% of their client base after a significant Medicare rate increase, demonstrating the professionalism and exceptional communication skills of our team. Our full cycle revenue management strategies include inbound and outbound customer service, overflow customer service during high volume call periods, assistance with retaining client base, membership retention, and early stage collections. Whether you need short-term assistance with patient account services or a long-term partnership for receivables management and recovery, our team can customize a scalable solution suited for the specific demands of your business.


Capital Management Services is proficient in the collection of secured automotive loans, account deficiencies and deficiency judgments following creditor repossessions. We assist large and small automotive loan and lease creditors in the recovery of delinquent automotive finance accounts. We also service secondary creditor portfolios of deficiency balances and deficiency judgments. Our team is skilled in explaining associated paperwork and proceedings to help address any questions consumers may have about their remaining account balances. We utilize patience and persistence to achieve account recovery so our clients can focus on their core business products, customers, and operations. Our effective results help our clients infuse value back into their bottom lines.

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We have the experience and expertise to drive results for your business.