Universal Collection Systems

What Universal Collection Systems does

Universal Collection Systems, Inc. (UCS) is a privately-held, veteran-owned, full-service B2B debt collection agency headquartered in Memphis, Tennessee, founded in 1983 by Jim Moton and the late Larry Pritchett. The firm operates on a contingency-based pricing model, earning a percentage of successfully recovered balances across verticals including medical/surgical centers, dental practices, government (court costs and fines), banks, retailers, property management companies, direct marketing firms, and medical billing providers. Named multi-decade relationships include Juice Plus (20+ years), Mid-South Dermatology (20+ years), Medical Insurance Filing Services (15+ years), Campbell Clinic Surgery Center, Stern Cardiovascular, and Shelby County Government.

The firm's core technology stack centers on the Quantrax RMEX collection management platform, which provides workflow control, right-party-contact tooling, cell phone and bankruptcy scrubs, legal review workflows, and Regulation F compliance. UCS layers on a proprietary 24/7/365 Collector Artificial Intelligent Chat Box for automated debtor interaction and collector assistance, plus a secure online payment portal and skip-tracing capability via Trans Union. The affiliated company Professional Process Servers (operating since 1988) extends the offering into legal process serving, document retrieval, and court filing in the Shelby County and tri-state area.

UCS is the only debt collection agency in Tennessee with a GSA Schedule contract and holds a Veteran-Owned Small Business certification from the Department of Veteran Affairs, providing differentiated access to federal and set-aside procurement. The firm employs approximately 45 people, is family-led (with Moton family members in executive roles and Jim Moton as President), and reports an above-industry-average recovery rate sustained over its 38+ year operating history. Revenue is not publicly disclosed; no external institutional ownership, funding rounds, or M&A activity have been identified.

Name

Universal Collection Systems

Legal name

Universal Collection Systems, Inc

Website

https://universalcollectionsystems.com

Company type

Private

Founded year

1983

Operating status

Operating

Headcount range

11–50 employees

Short description

Universal Collection Systems is a veteran-owned, full-service B2B debt collection agency in Memphis, TN, founded in 1983, that recovers delinquent accounts on a contingency basis for healthcare, dental, government, banking, retail, and property management clients using the Quantrax RMEX platform and an AI chat assistant.

Ownership category

akta.pro rank

Product category

Debt Collection and Accounts Receivable Management Services

NAICS

Collection Agencies (561440), Collection Agencies (56144)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Third-Party Collection Agencies (Consumer) (FSAKAJAB)

akta.pro secondary industries

Medical Debt Collection & Revenue Cycle Bad-Debt Recovery (FSAKAJAM), Specialty & Regulated Collections (Medical, Student Loan, Government, HOA) (BPAAAEAJ), Legal Collections Support (Pre-Lit, Litigation Admin, Judgment Recovery) (BPAAAEAH), Early-Stage / Soft Collections (Pre-Delinquency, Reminders) (BPAAAEAC)

Keywords

• Debt collection services
• Contingency debt recovery
• Medical receivables collections
• Government court collections
• Accounts receivable management

Headquarters

HQ city

Memphis

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Contingency-Based Debt Collection: UCS works all collection accounts on a contingency basis, meaning clients only pay for what is successfully generated back in collections. This is a performance-based model where the company earns a percentage of recovered debts.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Universal Collection Systems is a full-service debt collection agency that recovers delinquent accounts on a contingency basis for healthcare providers, dental practices, government entities, banks, retailers, property managers, and direct marketing companies. Services include early-out programs, skip tracing via Trans Union, legal action support, and a 24/7 secure online payment portal supported by an AI chat box, all managed through the RMEX collection platform.

Product overview

Universal Collection Systems operates as a full-service debt collection agency offering a unified collection management platform built on RMEX software by Quantrax with integrated AI capabilities. The core product portfolio centers on the RMEX collection management software, supplemented by an AI-powered chat box for 24/7 automated support, and add-on services including Professional Process Servers (affiliated company), Early Out Program, Legal Support Services, Skip Tracing via Trans Union, and a Secure Online Payment Portal. The company functions on a contingency basis, meaning clients only pay for successful collections.

Differentiator

Problem solved

Functional benefit

Products and services

• Full-Service Debt Collection (Contingency) Contingency-based recovery of delinquent accounts across medical and surgery centers, dental practices, banks, retail, property management, direct marketing, and government verticals for B2B clients nationwide.
• Professional Process Servers Affiliated legal support service providing court process serving, document retrieval, and court filing for law firms, collection agencies, and government clients in the Shelby County and tri-state area.
• Secure Online Payment Portal 24/7 consumer-facing web portal that allows debtors to securely make payments on accounts placed with Universal Collection Systems.

Quantifiable outcome

• Recovery rate consistently above industry average

Named customers8 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• Professional Process ServerscoreStrategic or Co-development PartnerAffiliated company established to provide additional valuable services for clients. Since 1988, provides reliable and effective service of process in Shelby County and tri-state area, including court process serving, document retrieval, and court filing services.

Scale indicators5 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• IC System: Long-established, larger ARM firm offering collections across healthcare, retail, financial, and government — broader portfolio than UCS but directly comparable in healthcare collections.
• Afni: Diversified ARM and customer-management outsourcer offering collections, recovery, and customer care — a broader incumbent overlapping UCS in consumer and healthcare collections.
• Transworld Systems: National contingency and first-party collection provider across SMB and consumer segments; a larger incumbent that competes for the same healthcare and commercial placements as UCS.

Direct peers

• National Credit Systems (NCS): Contingency-based commercial and consumer collections firm with skip-tracing and legal support services — comparable operating model and full-service offering to UCS.
• Williams & Fudge: Contingency-based third-party collection agency serving higher education and consumer credit, with comparable compliance-heavy operations and early-out programs.
• MRS Associates: Contingency-based third-party debt collection agency serving credit issuers, healthcare, retail, and government — directly overlaps UCS's customer verticals and contingency model.
• Phillips & Cohen Associates: Specialist in contingency debt recovery with strong healthcare, financial services, and government exposure — competes head-to-head with UCS for healthcare provider placements.
• Credit Adjustments Inc (CAI): Third-party collection agency serving healthcare, retail, and financial services with contingency-based recovery — directly comparable customer mix and SMB agency profile.
• Coast Professional Credit Services: Full-service third-party collection agency focused on consumer debt recovery for higher education, healthcare, and government clients — closely mirrors UCS's contingency-based B2B model and vertical mix.
• ConServe (Waypoint Resource Group): ARM provider offering contingency and first-party collections with strong higher-education and government exposure — competes for the same healthcare/government verticals as UCS.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/universal-collection-systems

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries1 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 Universal Collection Systems