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Collections Outsourcing
Your collections team is built in Mexico and managed by your leadership. You set recovery targets, compliance rules, and SLA thresholds. We recruit, train, and retain collectors who hit those targets while protecting customer relationships and staying compliant.
Early-Stage Collections Collectors
We place trained collections professionals who handle 30-60 DPD accounts with courtesy calls, payment plan negotiations, and status updates. High connect rates, low dispute ratios, fully documented interactions for compliance.
Mid-Stage Collections Specialists
We recruit mid-level collectors who manage 60-120 DPD portfolios with more assertive recovery strategies. Negotiation experience, compliance-aware language, documented escalation workflows, and daily reporting.
Late-Stage and Recovery Collectors
We source experienced collectors who handle 120+ DPD accounts and recovery strategies. They know debt validation, regulatory requirements, and when to escalate. Audit-ready documentation standard.
Collections Team Leads
We place team leads and supervisors who manage collector performance, handle complex accounts, and run compliance audits. Daily reporting, quality assurance, and escalation authority.
Inbound Disputes & Payment Processing
We dedicate team members to handle inbound customer calls, dispute intake, payment processing, and status inquiries. Fast resolution, documentation, and rate compliance.
Outbound Collections Dialing
We build outbound collections teams for high-volume contact center operations. Predictive dialing integration, call recording, compliance-ready workflows, and SLA adherence.
Collections that recover revenue
without destroying relationships
English-Spanish,
accent-neutral
First collectors in production
within 30 days
FDCPA, TCPA, state-level debt
collection trained
Daily SLA reporting, recovery
metrics, cost analytics
High volume collections are complicated. Third party agencies cost too much and do not know your portfolio. Internal teams are maxed out, and compliance risks pile up when calls are not documented properly. Recovery targets slip while customer dissatisfaction climbs.
Collection Agencies Prioritize Volume Over Your Recovery Targets
Third-party collection agencies manage portfolios for 20+ clients at once. Your account gets the leftover capacity. They hit dialer metrics but miss your specific recovery goals. And when compliance issues surface, your company eats the regulatory exposure.
Internal Collections Teams Cannot Scale Without Hiring
Your collections team is maxed out. Every portfolio growth plan hits a wall because domestic hiring is slow, turnover is high, and onboarding takes months. You need 5 more collectors by next month. Your HR team cannot deliver.
FDCPA, TCPA, and State Debt Rules Create Compliance Risk
Debt collection is heavily regulated. One undocumented call violates FDCPA, one autodial without consent breaks TCPA, and one state violation opens you to fines. Third-party agencies can leave you exposed. Internal teams struggle to stay current on rule changes across all 50 states.
Recovery Rates Drop When Your Best Collectors Leave
Collections is a high-turnover role. Domestic attrition runs 35-50% annually. Every departure means lost portfolio knowledge, retraining costs, and months of reduced recovery performance. The accounts your experienced collector was working go back to square one.
Compliance Documentation Falls Behind When Volume Spikes
Peak collection periods stretch your team thin. Call documentation gets inconsistent. FDCPA audit trails develop gaps. One missed disclosure during a high-volume week creates regulatory exposure that outlasts the revenue you recovered.
Miss one critical collection call per week. That is 52 lost recovery opportunities a year. What is each delinquent account worth to your bottom line?
Our name comes from amalgamate. We unite U.S. companies and Latin American talent into one high-performing operation. Not two disconnected worlds. Not a vendor relationship. One team.
When you outsource collections with Amalga, your collectors work for you and only you. They log into your systems, follow your recovery protocols, and report directly to your collections manager. We recruit, train, and manage the compliance side — FDCPA awareness, TCPA documentation, state-level rules, call recording, and audit preparation. Your team focuses on recovery targets.
Our collections professionals come from backgrounds in financial services, telecom, consumer debt, and BPO operations. We understand compliance because we live in it. We understand recovery metrics because your revenue depends on it.
Most outsourcing providers treat collections like a commodity. Whoever dials fastest wins. We treat collections like the regulated, relationship-sensitive business it is.
Your customer relationships matter. Your compliance posture matters. Your recovery targets matter. All three get our full attention.
90%
Customer Satisfaction
97.8%
Annual Team Member Retention
30-60
Day Full Productivity
40-50%
Cost Savings vs. U.S. Collections Teams
Choosing between outsourced collections, internal teams, and traditional agencies involves real tradeoffs. Here is a comparison of when nearshore collections make sense and when other models work better.
Not sure which model fits? Talk to us. We will assess your portfolio, recovery targets, and compliance requirements, then recommend the right approach.
Collections work best when your team operates in your time zone and compliance oversight stays tight. Monterrey and Mexico City offer direct flights from all major U.S. cities, which means real oversight and same-day site visits when you need them. No waiting for callbacks across 12+ hour gaps.
Houston
1 hr
Monterrey
Dallas
1.5 hrs
Monterrey
Miami
3 hrs
Monterrey
Los Angeles
3.5 hrs
Mexico City
Chicago
4 hrs
Mexico City
Compare that to 15+ hours to Manila or Bangalore — a reason why collections operations are moving nearshore.
Same-day training. Real compliance oversight. No jet lag. Your nearshore collections team works when you work.
Schedule a Visit
Top Universities
Tec de Monterrey, UNAM, ITAM
55,000+
Collections Talent
Culturally Fluent
No scripts that sound translated
Secure & Audited
ISO 27001 certified, PCI DSS ready
Collections outsourcing only works if your collectors work in your systems. We integrate with your dialing platform, CRM, compliance software, and reporting dashboards from day one. Your IT team provisions access; we handle onboarding and training.
And many more. If your collections operation runs on it, we can integrate with it.
Book a Discovery Call
Collections outsourcing means partnering with a nearshore provider to build and manage a team of trained debt collectors. Your collections manager stays in charge of recovery strategy, SLA targets, and escalation decisions.
Unlike third-party agencies that manage portfolios for 20+ clients at once, Amalga's collectors work for you only. We recruit, train, and retain them to execute your recovery plan while staying compliant with FDCPA, TCPA, and state-level rules.
Yes, when structured correctly. FDCPA and TCPA compliance is a function of training, documentation, and oversight, not location. All our collectors complete FDCPA and TCPA training before handling calls, and every call is recorded, documented, and subject to daily compliance audits.
Your in-house compliance team retains full authority over collection practices, call scripts, and escalation rules. We execute your compliance-first strategy, not our own.
Most collections teams are operational within 3-4 weeks. We handle recruitment, FDCPA/TCPA training, systems onboarding, and compliance certification before collectors take their first call. Your collections manager reviews candidates, approves the final team, and sets recovery strategy. Once live, collectors reach full productivity within 30-60 days depending on portfolio complexity and compliance requirements.
We build collections teams for unsecured consumer debt, credit card collections, medical debt, student loan portfolios, mortgage collections, auto loan recovery, and business-to-business collections. Each portfolio type requires different compliance training, negotiation approaches, and documentation standards. We customize collector training and compliance protocols to match your specific portfolio requirements and recovery strategy.
Yes. Our collections teams in Monterrey and Mexico City work PST, CST, and EST hours. Your collectors are available during peak collection windows without overnight shifts or timezone gaps. Real-time supervision, same-day compliance reviews, and live escalation paths work because your team operates on the same schedule you do.
We are ISO 27001 certified and PCI DSS compliant. Every collections workstation operates on secure networks with encrypted data transmission, and call recordings are stored per your retention policy. FDCPA and TCPA compliance is built into collector training, call scripting, and daily audit workflows. Your compliance team retains full authority over collection practices and documentation standards.
We handle it immediately. Compliance violations trigger same-day retraining and documentation review. Persistent performance issues result in collector replacement. We maintain a bench of trained collections professionals so your operation does not lose coverage. Your collections manager has direct input on performance standards and escalation decisions.
Yes. We integrate with Five9, Genesys, NICE CXone, Avaya, RingCentral, Salesforce Financial Services Cloud, and most major dialing and CRM platforms. We also work with compliance tools like Theta Lake for call recording and LexisNexis for skip tracing. Your IT team provisions access and we handle collector onboarding on your systems.
Every collections engagement starts with a portfolio review and compliance audit. We document your recovery protocols, call scripts, escalation paths, and SLA requirements. Collectors complete FDCPA and TCPA compliance training, then move into portfolio-specific training covering your account types, negotiation parameters, and documentation standards. Your collections manager reviews training outcomes before collectors go live.
Recovery rates depend on portfolio type, delinquency stage, and volume. Our financial services case study delivered 125% of the recovery target within 45 days at 88% CSAT. We set realistic targets during scoping based on your portfolio composition and historical recovery data, not inflated projections.
Nearshore collections teams typically cost 40-50% less than equivalent U.S.-based collectors. The savings reflect salary, benefits, turnover costs, training, compliance overhead, and facilities, not just hourly rate. During scoping we provide a detailed cost comparison based on your team size, portfolio type, and compliance requirements.
Share your portfolio composition, recovery targets, and compliance requirements. We will come back with a concrete collections outsourcing plan built around your recovery strategy.
