R.A. Rogers Inc

What R.A. Rogers Inc does

R.A. Rogers, Inc. is a full-service, nationwide third-party debt collection agency founded in 1979 by Ronald A. Rogers and headquartered in Crofton, Maryland. The firm operates on a contingency fee basis — there is no cost to the client unless a recovery is achieved — and serves three primary verticals: credit unions (over 400 nationwide, including NASA Federal Credit Union, Democracy Federal Credit Union, Tower Federal Credit Union, and Security Service Federal Credit Union), commercial and property management firms, and medical institutions. Its core service lines include contingency collections, skip tracing, repossession coordination, estate and proof-of-claims processing, and pre-collect services for medical providers, with a minimum 3-year account working period and continuous recycling of accounts.

The underlying technology stack is modest and operationally oriented rather than AI-driven. Account submission is supported through multiple secure channels (secure website, secure email, fax, mail, ShareFile, and SFTP), and a client portal enables online statements, payment invoices, and debtor payments (debit card, ACH, personal checks, online). Multiple skip-tracing tools are used to locate former tenants and debtors, and the firm maintains a network of repossession agents and attorneys nationwide. The firm explicitly does not use automated dialers — all outbound collection calls are made by live persons.

The business model is sales-led and relationship-driven. The firm offers a free 20-minute consultation, requires no long-term contractual volume commitments, and assigns dedicated Client Service Representatives who contact clients every 30 days. Marketing relies on industry endorsements (notably the MD & DC Credit Union Association), client testimonials, and direct outreach rather than digital channels. The firm is a member of the American Collectors Association, is registered with NMLS (Company #920364), and is licensed, bonded and/or insured in every state required by law, with staff trained on FDCPA, FCRA, GLBA, TCPA, and HIPAA. Owned and operated by founder Ronald A. Rogers alongside President Tracey McDavid, the company has remained privately held and stable since 1979.

Name

R.A. Rogers Inc

Legal name

R.A. Rogers, Inc.

Website

https://rarogersinc.com

Company type

Private

Founded year

1979

Operating status

Operating

Headcount range

11–50 employees

Short description

R.A. Rogers, Inc. is a nationwide contingency-based debt collection agency founded in 1979, serving over 400 credit unions plus property management and medical institution clients across the United States from its Crofton, Maryland headquarters.

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

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

akta.pro secondary industries

Third-Party Collection Agencies (Consumer) (FSAKAJAB), Specialty & Regulated Collections (Medical, Student Loan, Government, HOA) (BPAAAEAJ), Accounts Receivable (A/R) & Collections Management (HLACACAJ), Legal Collections Support (Pre-Lit, Litigation Admin, Judgment Recovery) (BPAAAEAH)

Keywords

• Debt collection services
• Credit union collections
• Property management collections
• Medical debt recovery
• Contingency collection agency

Headquarters

HQ city

Crofton

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 Collection Services: The company operates on a contingency fee model where there is no cost to the client if there is no collection. This applies across all service areas including credit unions, property management, and medical collections. Fees are earned only when successful recovery is achieved.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

R.A. Rogers Inc. is a full-service nationwide collection agency that recovers past-due debts on a contingency fee basis for credit unions, commercial/property management firms, and medical institutions. Core activities include letters, phone calls, skip tracing, credit bureau reporting, repossession coordination, estate/proof of claims processing, and legal account preparation and referral. Accounts are worked for a minimum of three years and continuously recycled, with no cost to the client unless collection is achieved.

Product overview

R.A. Rogers Inc is a full-service nationwide collection agency operating as a single integrated platform with specialized service modules tailored to different industry sectors. The core offerings consist of three primary collection services: Credit Union Collection Services, Commercial & Property Management Collection Services, and Medical Collection Services. These are supported by complementary modules including skip tracing, repossession, estate/proof of claims processing, and pre-collect services. The company also provides a client portal and online payment platform that enables secure account submissions and payment processing. The service model operates on a contingency fee basis with a minimum 3-year account handling period.

Differentiator

Problem solved

Functional benefit

Products and services

• Credit Union Collection Services Contingency-based debt recovery services for credit unions, covering overdrawn checking and savings accounts, loans, credit cards, letters, phone calls, skip tracing, credit bureau reporting, repossession, estate claims, proof of claims, and legal account preparation and referral. R.A. Rogers serves over 400 credit unions nationwide and is endorsed by the MD & DC Credit Union Association.
• Commercial & Property Management Collection Services Contingency collections for commercial entities and property management firms recovering unpaid rent, late fees, lease break fees, re-rental costs, damages, and court costs from former tenants. Includes skip-tracing tools to relocate former tenants and credit bureau reporting designed to inhibit former tenants from obtaining new housing.
• Medical Collection Services Collection services for medical institutions including pre-collect patient communication, insurance information resolution, pending insurance claims processing, and patient payment arrangement setup. Staff are trained on HIPAA and insurance terminology to support compliant resolution of patient balances.
• Client Portal & Online Payment Platform

Quantifiable outcome

• Recovery rate is twice the national average
• +2 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature3 records

Partnerships

One partnership is on record.

• MD & DC Credit Union AssociationcoreStrategic or Co-development PartnerThe company's commitment to the financial industry earned them official endorsement by the MD & DC Credit Union Association. This endorsement provides credibility and access to credit union clients in the Maryland and Washington DC region.

Scale indicators4 records

Recent moves4 records

Expansion highlights5 records

Broad incumbents

• Encore Capital Group: Encore Capital Group is a global, publicly traded debt buyer and collector. It operates at much greater scale than R.A. Rogers but is a broad incumbent in the same third-party consumer debt recovery market, especially for financial institution and credit card portfolios.
• PRA Group: PRA Group is a large, publicly traded debt purchaser and collector operating in the U.S. and Europe. While significantly larger and balance-sheet funded, it is a broad incumbent in the same third-party collections category in which R.A. Rogers competes for placements and recovery work.

Emerging players

• TrueAccord: TrueAccord is a digital-first, machine-learning-driven debt collection firm. It competes in adjacent consumer and credit union debt with a tech-enabled model that contrasts R.A. Rogers' traditional live-call, manual approach, representing the emerging frontier of the industry.

Direct peers

• Paragon Revenue Group: Paragon Revenue Group is a healthcare-focused collection agency serving hospitals, physician groups, and health systems. It directly parallels R.A. Rogers' medical collections vertical with comparable HIPAA-compliant, contingency-based debt recovery services.
• National Credit Management (NCM): NCM is a contingency-based third-party collection agency serving credit unions, banks, and finance companies. It is comparable to R.A. Rogers in target customer base, contingency pricing, and emphasis on regulatory compliance for financial institution clients.
• ConServe: ConServe is a contingency-based third-party collection agency focused on consumer debt for credit unions, banks, and student loan clients. It directly parallels R.A. Rogers' credit union vertical focus, contingency model, and compliance-driven approach.
• ABC-Amega: ABC-Amega is a nationwide commercial and consumer collections agency providing recovery, BPO, and customer management services. It overlaps with R.A. Rogers in B2B collections, skip tracing, and contingency-based recovery for financial and commercial clients.
• IC System: IC System is a privately held, full-service debt collection agency serving financial institutions, healthcare, and commercial clients nationwide. It is comparable to R.A. Rogers in its contingency fee model, multi-vertical coverage, and emphasis on regulatory compliance.
• Hunter Warfield: Hunter Warfield is a third-party collection agency specializing in apartment, multi-family, and commercial property management debt. It directly overlaps with R.A. Rogers' property management and former-tenant collections vertical.
• Williams & Fudge: Williams & Fudge is a third-party collection agency specializing in higher education and consumer debt, with a long-standing national footprint. It is directly comparable to R.A. Rogers as a contingency-based, multi-vertical collections firm with dedicated skip-tracing and compliance infrastructure.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/r.a.-rogers-inc.

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 R.A. Rogers Inc