Cawley & Bergmann

Name

Cawley & Bergmann

Legal name

Cawley & Bergmann, LLC.

Website

https://cawleyandbergmann.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Consumer Debt Collection Services

NAICS

Collection Agencies (56144), Collection Agencies (561440)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Third-Party Collection Agencies (Consumer) (FSAKAJAB)

akta.pro secondary industry

Third-Party Debt Collection Agencies (Consumer & Commercial) (BPAAAEAB)

Keywords

• Consumer debt collection
• Delinquent debt recovery
• Creditor services
• Consumer resolution
• Debt collection agency

Headquarters

HQ city

Newark

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales

Revenue model

1. Debt Collection Services: Cawley & Bergmann recovers delinquent consumer debt on behalf of financial institution clients. Revenue is generated through contingency fees or collection fees based on successful debt recovery, as is standard in the debt collection industry.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Cawley & Bergmann is a debt collection company that recovers delinquent consumer debt on behalf of financial institution clients across the United States. Consumer resolution specialists work with consumers to reach mutually beneficial and amicable resolutions to outstanding debt items. The firm also provides a secure online payment portal and SMS/text messaging service to facilitate consumer account management and payments.

Product overview

Cawley & Bergmann operates as a debt collection company offering three interconnected services: Consumer Debt Collection Services as the core offering, a Secure Payment Portal enabling consumers to manage and make payments on their accounts, and an SMS/Text Messaging Service for account-related communications. The company specializes in recovering delinquent consumer debt on behalf of financial institution clients across the United States.

Differentiator

Problem solved

Functional benefit

Products and services

• Consumer Debt Collection Services Core debt collection service specializing in recovery of delinquent consumer debt for financial institution clients. Consumer resolution specialists work with consumers to reach mutually beneficial resolutions to outstanding debt items.
• Secure Payment Portal Online payment platform enabling consumers to register accounts, view account details, verify information, view payment options, and make payments. Described as a no-fee secure payment system accepting all major payment forms.
• SMS/Text Messaging Service Mobile message service for recurring account communications including updates, alerts, and account information. Consumers can opt in by texting OPTIN to 76293 and opt out by replying STOP.

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators1 record

Recent moves4 records

Expansion highlights4 records

Direct peers

• Atlantic Credit & Finance: Atlantic Credit & Finance is a specialty consumer debt collection agency focused on recovered retail and financial institution charge-offs. Operates the same third-party contingency-fee model serving bank and credit union clients, with comparable scale and customer profile.
• Williams & Fudge, Inc. Williams & Fudge is a privately held third-party consumer debt collection agency serving higher education, financial institutions, and government clients. Comparable to Cawley & Bergmann in contingency-fee recovery model, FDCPA-compliant operations, and institutional client base.
• Enhanced Recovery Company (ERC): ERC is a third-party consumer and commercial debt collection agency providing first- and third-party recovery services to financial institutions and retail creditors. Directly comparable to Cawley & Bergmann in core service line, regulatory positioning, and client verticals.
• IC System: IC System is a privately held third-party consumer debt collection agency serving financial institutions, healthcare providers, and government clients nationwide. Directly comparable to Cawley & Bergmann in business model (contingency-fee recovery), customer base (banks, credit unions), and regulatory orientation (FDCPA-compliant recovery).
• National Credit Adjusters: National Credit Adjusters is a privately held third-party consumer debt collection agency serving banks, credit unions, and finance companies across the United States. Closely comparable to Cawley & Bergmann in operating model (contingency fees), target customers (financial institutions), and regulatory compliance orientation.
• Coast Professional, Inc. Coast Professional is a mid-size third-party collection agency specializing in delinquent consumer debt recovery for higher education and financial institution clients. Operates the same contingency-fee B2B model serving banks and credit unions, with a comparable focus on compliance-driven recovery.

Broad incumbents

• PRA Group (Portfolio Recovery Associates): PRA Group is a leading global acquirer and collector of defaulted consumer receivables, purchasing and recovering charged-off debt for major financial institutions. Directly comparable in serving bank and credit union clients, but PRA is a debt buyer with portfolio acquisition capability and broader international footprint.
• Transworld Systems: Transworld Systems is a large, established provider of third-party debt collection, accounts receivable management, and BPO services to financial institutions and small businesses nationwide. Overlaps directly with Cawley & Bergmann's third-party consumer recovery offering but operates at much broader scale with additional service lines.
• Midland Funding (Encore Capital Group): Midland Funding is the US flagship debt-buying and recovery subsidiary of Encore Capital Group, one of the largest debt purchasers and third-party collectors globally. Overlaps with Cawley & Bergmann in recovering delinquent consumer debt for financial institutions, but Encore is also a major debt buyer with portfolio acquisition capabilities Cawley lacks.

Emerging players

• Beyond Finance: Beyond Finance is a digital-first consumer debt settlement and resolution company offering online negotiation and self-service tools for indebted consumers. Adjacent competitor that addresses the same underlying consumer debt resolution need using a fintech-style model rather than Cawley & Bergmann's traditional phone-and-letters agency approach.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Cawley & Bergmann