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As a contact center with more than 40 years experience liquidating first and third party debt, Bay Area Credit Service has developed the expertise to effectively collect any type of consumer or commercial account. Because of this experience, and our knowledge of science of collection and art of communication, we have established a reputation as a leader in end-to-end transaction management.

Bay Area Credit Service integrates strategy, technology and quality assurance to deliver outstanding results.


Results Driven


Our commitment to exceeding customer expectations distinguishes us from other financial service providers. We take the time to understand your business by following work strategies that ensure compliance, consistency and application of thoughtful communication skills for each contact.
 
Take advantage of our services and technology

We offer a complete range of services including customer care, customer contact centers, and collections. We also provide you with a strong recovery foundation through our unique enrichment tools and innovative technology.
 
Improve profits through better information

Our enrichment tools, Oasis™, Eclipse™, BASYS™, e-Ladin™, Diamond Mining™, and COBRA, enable you to uncover the hidden value of your accounts and improve your financial performance. By leveraging these tools and our other systems, you can collect the right customer information and verify it early in the account cycle. The faster you access the correct account information, the more likely you are to collect. And you avoid significant losses in revenue and operations costs in the future.
 
We focus on results

Our recovery rates are among the highest in the industry because we combine the best people and tools with decades of experience. We consistently surpass the industry in account resolution and take pride in our professional manner. Bay Area Credit Service was founded in 1963 and is headquartered in San Jose, California. We are a national provider of insourced and outsourced financial recovery services.
 
Our services include:

Transaction Management

Customer Care Collections Insurance
  • Welcome Calls
  • Appointment Reminders
  • Customer Scheduling
  • Quality Follow-up
  • Inbound Services
  • Outbound Services
  • Pre-Charge-Off
  • Early out
  • Precollect
  • Primary
  • Late Stage
  • Verification
  • Eligibility
  • Claims Submission
  • Followup
  • Appeal Processing
  • HICFA 1500 + UB92 Billing
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