The MCA Difference: Experience, Integrity and Results
Merchants Credit Association is a premier full service debt collection agency, providing
successful debt management solutions with integrity since 1937. MCA has become a
leader in debt recovery by dedicating decades of service to companies and communities.
Our commitment to serving clients in an ethical manner, longevity in the industry,
and vast institutional knowledge, produces exceptional recovery results.
Latest Technology - Account Scrubbing – Skiptracing
Immediately following assignment to MCA, accounts are subjected to a multi-step
scrubbing process to provide the highest accuracy prior to collection efforts. The
updating process includes:
- Most recent Address
- Bankruptcy information
- Deceased status
Utilizing the latest available data mining technologies, including Lexis Nexis and
Accurint, MCA representatives are highly successful in locating and contacting even
the most elusive consumers.
Trained Professional Staff
Continually educated, updated and tested on all state and federal laws concerning
privacy and collection practices; our trained, professional staff becomes an integral
extension of your business office.
As a member of ACA International, MCA promotes the highest standards of conduct
and professionalism. All MCA employees take the following pledge:
"I believe every person has worth as an individual.
I believe every person should be treated with dignity and respect.
I will make it my responsibility to help consumers find ways to pay their debts.
I will be professional and ethical.
I will commit to honoring this pledge.”
Efficient Collections – Strict Compliance
It is our commitment to efficiently collect your accounts while preserving the valued
relationship with your customers. All collection activity and interaction with your
accounts is conducted in strict compliance with all state and federal laws including
the FDCPA (Fair Debt Collection Practices Act), HIPAA (Health Insurance Portability
and Accountability Act), and the Red Flag Rules.
Experienced Legal Department
When consumers are non responsive to our comprehensive collection efforts, their
accounts are reviewed and referred to our internal Legal Department. Our highly
trained staff verifies account information, assures client permission to proceed,
prepares necessary legal documentation, and obtains civil judgments through local
jurisdictions against the consumers.
Fully Licensed and Bonded - Providing Coast to Coast Collections
Licensed and bonded in Washington, Oregon, Alaska, Idaho, and Utah; MCA successfully
collects in all states and Canada through professional affiliations.
We are proud to be members of the following organizations:
- ACA International
- Washington Collectors Association
- Healthcare Financial Management Association (HFMA)
- American Assoc. of Healthcare Administrative Mgmt. (AAHAM), Evergreen and Inland
- Associated Washington Business
- Bellevue Chamber of Commerce
- Independent Business Association
Contact us today, to see how we can begin to benefit