S&S Professional Services is a trusted debt recovery agency that provides comprehensive debt collection solutions for a wide range of industries, including healthcare, retail, finance, and more. We specialize in recovering outstanding debts while ensuring full compliance with all relevant regulations and maintaining a professional, respectful approach to both our clients and their debtors.

We recover a variety of debt types, including:

Medical debts – Including outstanding balances from hospitals, doctors' offices, clinics, and other healthcare providers.

Retail and consumer debts – Unpaid credit card bills, personal loans, and other consumer credit obligations

Utility and service debts – Outstanding payments for utility services, telecom, and other subscription-based services.

At S&S Professional Services, we strictly adhere to all relevant federal and state laws regarding debt collection. This includes compliance with the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These laws regulate how debtors must be treated during the collection process and ensure their rights are protected. Our team is fully trained on these regulations and works to ensure that our actions are fair, transparent, and legally compliant at all stages of the recovery process.

The Fair Credit Reporting Act (FCRA) is a U.S. federal law that regulates how consumer credit information is collected, shared, and reported. As a debt collection agency, we are required to follow the provisions of the FCRA when reporting debtors' information to credit bureaus. This ensures that debtors' credit reports are accurately updated, and that any actions taken during the recovery process are properly documented and compliant with federal regulations.We ensure that all information we report is accurate and reflects only verified debts. If a debtor disputes a debt, we follow the proper procedures for verification and investigation before reporting any negative information to credit bureaus.

We take a professional approach to building trust and securing agreements with our clients. Our process includes:

Clear Contracts: We provide clear and transparent agreements outlining our terms, fees, and responsibilities. All contracts are reviewed by both parties before any services are rendered.

Customized Solutions: We work closely with clients to tailor our debt recovery services to their specific needs. Whether it's one-time collections or ongoing services, we create solutions that align with the client’s goals.

No Upfront Fees: Our agency typically works on a contingency fee basis, meaning you only pay if we successfully recover your debt. This reduces financial risk for our clients.

We work with hospitals, healthcare providers, and third-party organizations through strategic partnerships and referrals. These are typically long-term agreements where we handle the collections of overdue medical bills, insurance co-pays, and patient balances that have not been resolved by the healthcare provider’s internal billing departments.Our relationships with hospitals and third-party sources are built on trust and a proven track record of success in medical debt recovery. We ensure that all patient interactions are handled with the utmost sensitivity, as medical debt often involves personal, confidential matters.We acquire clients through:Referral Networks: Hospitals and medical practices often refer accounts to us once their internal collection efforts have been exhausted.Third-Party Agreements: We form strategic partnerships with third-party agencies such as insurance companies and financial institutions to manage collections on their behalf.

Direct Outreach: We also attract clients via direct outreach, industry networking, and online marketing efforts targeting organizations in need of professional debt recovery services.

If a debtor refuses to pay, we escalate our recovery efforts in compliance with the law. Initially, we will attempt to negotiate a settlement or payment plan with the debtor. If these efforts fail, we may:Engage in further communication, including legal notices.Explore legal action options if necessary, which may include filing a lawsuit or obtaining a court judgement. Report the debt to credit bureaus, which could impact the debtor's credit score.Throughout this process, we keep our clients informed and involved in any major decisions regarding the case.

Choosing the right debt recovery agency is an important decision.

At S&S Professional Services, we offer:

Proven Results: A track record of successfully recovering debts for clients in multiple industries, especially healthcare.

Compliance Assurance: Our full compliance with the FDCPA, FCRA, and other regulations ensures that you are working with a reputable and ethical partner.

Transparency and Communication: Regular updates and transparent communication about the status of your cases.

No Risk: Our contingency fee structure means you don’t pay unless we collect.

If you are unsure whether we are the right fit, we offer an initial consultation to discuss your specific needs and how we can assist in recovering your outstanding debts.

To begin working with us, simply contact us via phone at (888-341-5792) or email at [email protected]. We’ll set up an initial consultation to review your needs, and provide a tailored proposal for our services. From there, we can begin working to recover your outstanding debts quickly and effectively.