MRS BPO, LLC

What MRS BPO, LLC does

MRS BPO, LLC is a privately held accounts receivable management and third-party debt collection firm founded in 1991 by Jeff and Saúl Freedman, headquartered in Marlton, New Jersey, and operating branch offices in Centennial (Colorado), Taylor (Alabama), and Navi Mumbai (India). The company earns primarily contingency/transaction fees by recovering outstanding debt on behalf of blue-chip corporate creditors (financial services and adjacent enterprise clients) and by managing installment plans and settlement discounts for individual consumers, with example account balances in the low-thousands and monthly installment payments in the tens to low-hundreds of dollars. Its served consumers can self-serve through a 24/7 web portal, communicate via SMS, or call a bilingual (English/Spanish) phone team; corporate clients are won via a direct enterprise sales motion.

The core technology stack rests on a customer portal (portal.mrsbpo.com), an Accounts Receivable Business Management service, and a Payment Maximization Unit (PMU) add-on module. The company states that real-time data analytics and AI/ML capabilities are integrated into debt recovery strategy, customer segmentation, and payment-plan configuration. Compliance posture is a material part of the platform: PCI DSS Level 1, SOC 2 Type II, and FISMA certifications, BBB accreditation, and active collection agency licenses in California, Minnesota, Nevada, New York City, North Carolina (corporate headquarters plus Alabama and India branch permits), and Colorado. All debt collection activity is conducted under these regulatory frameworks, including the Rosenthal Fair Debt Collection Practices Act and federal FDCPA.

The business model is a transaction-fee model in which MRS is paid a percentage of debt collected or settled, with three consumer-facing pricing tiers (single-payment, short-term installment, and extended low monthly payment). Revenue is not publicly disclosed. In 2025, MRS received a majority stake investment from an AI/ML powerhouse backed by major technology companies, under which the co-founders transitioned to strategic advisor roles and Sandeep Behari (formerly of Citi, Transworld Systems, Bank of America, NCO Group, and Capital One) was appointed CEO alongside a new CRO/CSO and a CFO with GRC and M&A experience.

Name

MRS BPO, LLC

Legal name

MRS BPO, LLC

Website

https://mrsbpo.com

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

501–1,000 employees

Short description

MRS BPO is a New Jersey-based, privately held accounts receivable management and third-party debt collection firm serving blue-chip corporate creditors and individual consumers, generating revenue through contingency fees on recovered balances delivered via portal, phone, and SMS channels.

Ownership category

akta.pro rank

Headquarters

HQ city

Cherry Hill

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Debt Collection Services: MRS BPO provides accounts receivable management and debt collection services to corporate clients. The company recovers debts on behalf of clients and earns revenue through collection fees, typically a percentage of recovered debt or transaction-based fees.
2. Debt Collector Services: As a debt collector, MRS collects outstanding debts and facilitates payment plans for consumers, earning fees from creditor clients for successful recovery.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

MRS BPO provides third-party accounts receivable management and debt collection services on behalf of corporate creditors, recovering outstanding consumer debts in exchange for transaction-based collection fees. The company pairs its collections operations with an AI/ML-enabled customer portal where individual debtors can view accounts, set up flexible payment plans (one-time, installment, or extended), and communicate via text, web, or phone 24/7. Its services span blue-chip corporate clients in the U.S., supported by multi-state collection licenses and federal-grade security certifications.

Product overview

MRS BPO, LLC offers a unified debt collection platform centered on its proprietary Customer Portal and Accounts Receivable Business Management service. The core offering combines flexible repayment solutions with multiple communication channels (online, text, phone) and potential discounts. The Payment Maximization Unit (PMU) operates as an add-on module within this framework, focused on optimizing payment recovery outcomes. All services are delivered with an emphasis on compliance, empathetic customer engagement, and technology-driven process efficiency.

Differentiator

Problem solved

Functional benefit

Products and services

• Accounts Receivable Business Management / Third-Party Debt Collection

Named customers1 record

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Encore Capital Group: Public global specialty finance company and one of the largest debt buyers and third-party collectors in the US; directly comparable to MRS BPO as a creditor-side ARM partner serving blue-chip originators.
• PRA Group: Public global acquirer and servicer of nonperforming loans; comparable to MRS BPO as a third-party ARM provider working with banks, credit unions, and consumer creditors across the US.
• Transworld Systems Inc. (TSI): Specialty ARM services provider (parent of Pioneer Credit Recovery) and a prior employer of MRS BPO's CEO; closely comparable third-party debt collection services competitor in the US mid-market.
• NCO Group: Global ARM and BPO services provider serving financial services, healthcare, and commercial clients; directly comparable in scale and operating model, and another prior employer of MRS BPO's CEO.
• Convergent Outsourcing: US-based ARM services provider focused on consumer and commercial recovery; directly competes with MRS BPO for third-party debt collection assignments from financial services and telecom creditors.
• Resurgent Capital Services: ARM platform specializing in consumer credit recovery and special situations; comparable third-party collector serving banks, credit issuers, and debt buyers - a direct competitor to MRS BPO.
• Radius Global Solutions: Mid-market ARM services provider offering consumer and commercial recovery, customer care, and back-office support; closely comparable scale and service mix to MRS BPO.
• Midland Credit Management (Encore subsidiary): US consumer debt recovery subsidiary of Encore Capital Group; closely comparable third-party collection platform serving the same creditor client types as MRS BPO.

Broad incumbents

• EOS Solutions (part of EOS Group): International ARM and receivables management group operating across Europe, North America, and Asia; comparable as a larger-scale, multi-jurisdiction competitor to MRS BPO's international footprint.
• iQor: Global BPO and customer engagement provider with dedicated ARM services; comparable to MRS BPO across back-office and collections operations, and a prior employer of MRS BPO's SVP of IT.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/mrs-bpo-llc

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries2 records

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 MRS BPO, LLC