Professional Debt Collection and Customer Service Solutions

Receivables Roundtable cover image featuring text "1st Party vs 3rd Party Collections" and a photo of Larry Costa, with Capital Management Services, LP

Customized Services for Compliant, Consumer-Centric Recovery

At Capital Management Services, we deliver tailored solutions that combine recovery performance, regulatory compliance, and customer service excellence. As a nationally licensed collection agency and BPO provider, CMS helps creditors recover value while protecting their brands and supporting positive consumer experiences. 

Comprehensive Debt Collection Services

We understand that each creditor’s portfolio is unique. That’s why CMS offers a full range of first-party and third-party debt collection services designed to align with your operational goals and compliance standards.

First Party

Third Party

Customer Service

Special Projects

First Party Collection Services

CMS acts as an extension of your internal team, maintaining your branding while managing past-due accounts. Our trained representatives provide early-stage collection support, helping to:

  • Prevent delinquencies from escalating

  • Protect brand reputation through professional communication

  • Seamlessly integrate with your internal systems 

 Ideal for performing or near-delinquent accounts.

Third-Party Recovery Services

For more complex recovery needs, CMS offers proven third-party collection services. We maximize recovery on delinquent or charged-off accounts while meeting all applicable federal, state, and client-specific compliance requirements.

Our third-party services include:

  • Multi-channel outreach
  • Compliant account resolution strategies
  • Scalable recovery operations

Focus on your core business while we help you recover value.

Women sitting and making an online payment from the phone through his credit card

Consumer-Focused Customer Service Solutions

CMS’s call center operations support creditor needs far beyond traditional collections. Our Business Process Outsourcing (BPO) solutions enhance the customer experience while meeting service-level expectations.

 

Our BPO Capabilities Include:

  • Overflow customer service
  • Payment processing and account maintenance
  • Complaint management and fraud support
  • Multilingual support capabilities

Our highly trained agents act as brand ambassadors, offering courteous, compliant, and results-driven customer interactions.

Capital Management Services (CMS) helps to handles customer services & bpo

Specialized Project Services

CMS has the capacity and expertise to handle custom and large-scale projects for financial institutions and service providers. Whether you’re navigating a major transition or launching a new initiative, our team can provide scalable, efficient support.

Examples of Special Projects:

  • Temporary servicing during system conversions
  • Support during portfolio acquisitions or divestitures
  • Customized communications and administrative workflows
  • Risk, fraud, and compliance outreach campaigns

Leverage our national footprint and experienced staff to execute complex projects with confidence.

Industries We Serve

CMS works with a broad range of clients across the financial services ecosystem, including:

  • Consumer lenders and credit card issuers
  • Mortgage servicers and HELOC providers
  • Healthcare and medical billing firms
  • Automotive finance companies
  • Insurance and utility providers

Our diverse portfolio experience makes us a flexible, knowledgeable partner across all asset classes and account types.

Why Capital Management Services?

  • Nationwide licensing
  • SOC 2 Type II + PCI-DSS compliant
  • Experienced leadership with 120+ years of combined industry knowledge
  • Committed to protecting your brand and enhancing consumer satisfaction

Partner With a Proven Leader in Receivables Management

Let CMS build a custom strategy that drives financial performance and strengthens your customer relationships. We tailor our services to your goals and deliver measurable results you can count on.

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