Creditech Collection Solutions

What Creditech Collection Solutions does

Creditech Collection Solutions is a Pennsylvania-based debt collection agency operating as a division of Berkheimer Companies. Founded approximately 42 years ago, the firm provides contingency-based debt recovery services across four primary verticals: business collections, municipal collections (tax and fee recovery for local governments), medical collections, and utility collections, with a smaller mortgage and title services offering. The company serves a regional Northeast US client base that includes municipalities with multi-decade relationships, healthcare providers, utilities, and private-sector businesses.

The company's technology stack is built around proprietary in-house developed collection software, predictive dialer technology, and an independent collection database that supports skip-tracing, recovery analytics, and customizable client reporting. Operations run from a 300,000 square-foot operation center with a 72-hour account activation timeline, supported by FDCPA, HIPAA, and TCPA compliance certifications that allow it to serve regulated healthcare and consumer-facing verticals. Additional service modules include letter series mailings, credit reporting for qualifying accounts, pre-collection reminders, payment plan monitoring, insurance follow-up, courtesy programs, and full-service in-house print and mail capabilities.

The revenue model is primarily contingency-based ("no recovery, no fee"), with clients paying a percentage of successfully recovered balances. Supplemental transaction-fee revenue is generated through certified payoff statement fees ($10/statement) and pass-through credit card processing fees (2.5% via ACI Payments). The go-to-market is sales-led, with direct enterprise outreach to municipalities and large organizations supported by inside sales for mid-market clients and self-service digital payment channels for consumers.

Name

Creditech Collection Solutions

Legal name

Creditech, Inc.

Website

https://creditech-usa.com

Company type

Private

Founded year

1983

Operating status

Operating

Headcount range

11–50 employees

Short description

Creditech Collection Solutions is a Pennsylvania-based debt collection agency that provides contingency-based recovery services to municipalities, businesses, healthcare providers, and utilities across the Northeast US, using proprietary software, predictive dialers, and an independent collection database.

Ownership category

akta.pro rank

Product category

Debt Collection Services

NAICS

Collection Agencies (56144), Collection Agencies (561440)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Debt Buying & Portfolio Acquisition (Charged-Off Receivables) (FSAKAJAC)

akta.pro secondary industry

Payment Processing for Collections (Lockbox, ACH, Card, IVR) (FSAKAJAJ)

Keywords

• Debt collection services
• Municipal tax collection
• Medical debt recovery
• Accounts receivable management
• Skip tracing services

Headquarters

HQ city

Bangor

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Contingency-Based Collection Fees: Primary revenue model where clients pay only when collections are successful. No upfront costs to clients - Creditech earns a percentage of recovered debt.
2. Payment Processing Fees: Transaction fees from payment processing services. Credit card payments incur 2.5% processing fee with $1.00 minimum charged by third-party processor ACI Payments, Inc.
3. Certified Payoff Statement Fees: $10.00 fee per certified statement for mortgage and title services. Statements valid for 30 days from date of issue.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels3 records

Core offering

Creditech Collection Solutions provides contingency-based debt recovery services for businesses, municipalities, healthcare providers, and utility companies, using proprietary collection software, predictive dialers, and an independent collection database. It supports clients with letter series, mailings, skip tracing, credit reporting, billing services, payment plan monitoring, and a 24/7 online client portal, while consumers can settle debts via an online payment portal, phone, or mail.

Product overview

Creditech Collection Solutions operates as a unified debt collection platform with multiple integrated service modules and industry-specific solutions. The core offering includes Strategic Debt Recovery powered by Predictive Dialers & Proprietary Software and an Independent Collection Database, supported by Letter Series, Call Campaigns, Skip Tracing & Asset Research, and Payment Plan Monitoring. Add-on capabilities include Credit Reporting, Recovery Analytics & Scoring, Legal Services, Full-Service Print & Mail Solutions, and Utility Service Termination Assistance. The company also provides a Client Portal (24/7 real-time account access) and Online Bill Payment Portal. Industry-specific verticals include Business Collections, Municipal Collections, Medical Collections, and Utility Collections. A sub-brand offering, Certified Payoff Statements, serves the mortgage and title industry. The company operates a 300,000 square-foot operation center and offers both contingency-based and customizable service pricing models.

Differentiator

Problem solved

Functional benefit

Products and services

• Strategic Debt Recovery Data-driven debt collection strategies with expert follow-up that maximize collections for businesses and municipalities, powered by proprietary software, predictive dialers, and an independent collection database.
• Business Collections Contingency-based debt recovery services for private-sector businesses to convert outstanding B2B and consumer receivables into revenue and improve cash flow.
• Municipal Collections Tax and fee collection services for local municipalities and government entities, recovering delinquent taxes, street light bills, and other municipal fees with FDCPA/TCPA-compliant consumer contact.
• Medical Collections HIPAA-compliant, ethical debt collection solutions for healthcare providers, including patient account recovery and insurance follow-up/reimbursement resolution.
• Utility Collections Contingency-based recovery of delinquent customer payments for utility companies, with optional service termination assistance and dedicated payment processing via Pay Stream.
• Skip Tracing & Asset Research Best-practice skip tracing and asset location services to find individuals and assets, improving recovery rates on hard-to-collect accounts.
• Certified Payoff Statements Certified payoff statement services for municipal accounts, priced at $10 per statement and valid for 30 days, trusted by title and mortgage professionals.
• Online Bill Payment Portal Secure online payment portal that allows consumers to settle tax, utility, and other debts via ACH (no fee) or credit card (2.5% processing fee with $1.00 minimum) through third-party processor ACI Payments, Inc.
• Client Portal 24/7 online client portal providing real-time access to account information, customizable reporting, and account management capabilities for B2B clients.

Quantifiable outcome

• Account outreach begins within 72 hours of file receipt
• +1 more outcomes

Named customers2 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability1 record

Feature5 records

Partnerships

One partnership is on record.

• Berkheimer CompaniescoreOthersCreditech is a division of Berkheimer Companies, a business founded nearly 90 years ago. This parent company relationship provides Creditech with extensive resources, industry expertise, and stability in the collections industry.

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• IC System: IC System is a privately held third-party debt collection agency serving financial, healthcare, retail, government, and utility clients across the U.S. It is one of the most direct comparables to Creditech given its contingency-based B2B collections model, multi-vertical focus, and similar compliance-driven positioning.
• Radius Global Solutions: Radius Global Solutions (formerly RGS Financial) provides outsourced collections, customer care, and back-office services to financial institutions, healthcare providers, and government entities. It competes directly with Creditech in the multi-vertical third-party collections market at a larger scale.
• Williams & Fudge: Williams & Fudge is a privately held student loan and consumer collections firm. While its core focus is education receivables, its contingency-based recovery model, compliance orientation, and mid-market positioning make it a relevant peer for Creditech's business and municipal collections lines.
• Enhanced Recovery Company (ERC): ERC is a mid-sized U.S. third-party collections agency serving consumer and commercial creditors in healthcare, financial services, retail, and government sectors. It directly competes with Creditech in the regional multi-vertical collections space, particularly for municipal and medical accounts.
• D&A Services: D&A Services is a U.S. third-party debt collection agency focused on small-balance and mid-volume consumer receivables for utilities, healthcare, and commercial clients. Its target client profile and contingency model closely mirror Creditech's municipal and utility collections business.
• Collection Service Bureau (CSB): Collection Service Bureau is a regional third-party debt collection agency offering business, consumer, and medical collections. Direct competitor to Creditech in the mid-market collections space with similar contingency pricing and compliance focus.
• EOS Solutions (Atticus Group): EOS Solutions is part of the EOS Group and provides receivables management and debt collection services across multiple verticals including B2B, healthcare, and public sector in the U.S. Comparable to Creditech in service breadth and contingency model, though operating at a larger international scale.

Broad incumbents

• Encore Capital Group / Midland Credit Management: Encore Capital Group is a publicly traded global debt buyer and recovery firm (parent of Midland Credit Management). It is a broad incumbent in the consumer debt recovery space with overlapping services to municipalities, healthcare, and consumer finance. Comparable in vertical coverage but operates a fundamentally different capital-intensive portfolio acquisition model.
• Convergent Resources: Convergent Resources (formerly Convergent Outsourcing) is a large U.S. receivables management firm providing first-party and third-party collections, customer care, and recovery analytics. It overlaps with Creditech's utility, healthcare, and financial services verticals at a meaningfully larger enterprise scale.

Others

• Berkheimer Companies (parent): Berkheimer Companies is Creditech's parent conglomerate, providing workflow transformation, digital tax solutions, collections, and HR advisement services. It is the corporate umbrella under which Creditech operates and serves as the source of shared infrastructure, referrals, and stability rather than a competitive peer.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/creditech-collection-solutions

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Creditech Collection Solutions