Company

Comprehensive Collections

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.

Collector’s Pledge

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 Empire Chapters
Associated Washington Business
Bellevue Chamber of Commerce
Independent Business Association