Payment Resolution Partners

Collection Agency for Credit Unions

Professional Debt Recovery That Respects Your Members and Your Mission

Credit unions provide essential financial services built on trust, community, and personal relationships. You offer lower fees, better rates, and member-first service. What you shouldn’t be doing? Spending your time chasing down delinquent loans and unpaid accounts.

At Payment Resolution Partners, we specialize in helping credit unions recover past-due balances—professionally, respectfully, and in full compliance with federal and state regulations. Whether it’s auto loans, personal lines of credit, overdrafts, or credit cards, we work as an extension of your team to collect outstanding debt without damaging the trust you’ve built with your members.

Whether you’re a small community-based credit union or a regional institution with multiple branches, our process adapts to your systems, your members, and your values. You focus on helping people achieve financial stability—we’ll handle the collections process that helps keep your books balanced.

Why Credit Unions Trust Us to Collect What They’re Owed

We Understand Credit Union Lending

From auto loans and HELOCs to credit cards and unsecured loans, we know how your lending products work—and how members fall behind. Our collection process is designed to support recovery while respecting your institution’s member-first model.

We Protect Member Relationships

Your members are more than just account numbers. They’re neighbors, families, and long-time customers. We use polite, compliant, and empathetic communication to recover payments without alienating members or damaging your reputation.

We Know the Difference Between Struggling and Avoiding

Some members are experiencing hardship and need flexible solutions. Others are intentionally avoiding repayment. We identify who’s who and apply the right level of pressure—tailored to the situation.

We Operate Legally and Ethically

We follow all federal regulations, including FDCPA, FCRA, and CFPB guidelines, as well as state-specific rules that apply to credit unions. No shady practices—just professional, lawful recovery that keeps your credit union protected.

The Collection Process: Designed for Credit Unions

Step 1: Review of Delinquent Accounts

We start by reviewing your charged-off loans, overdue payments, and inactive accounts. Whether it’s a single member or a portfolio of delinquent loans, we help you prioritize what’s recoverable.

Step 2: Credit Union-Aligned Collection Strategy

Each credit union has its own policies and member engagement style. We tailor our strategy to match your tone and service philosophy—whether that’s compassionate outreach, structured follow-ups, or escalated action.

Step 3: Respectful and Compliant Communication

We contact members through approved channels—phone, email, and written notices—always documented and in compliance with all relevant laws. Our tone is respectful but firm to encourage cooperation and repayment.

Step 4: Recovery Reporting and Payment Processing

We keep you informed with clear, real-time updates on every account. Funds are processed promptly, and you’ll always know where each case stands.

Most Collection Agencies Don’t Get Credit Unions… We Do!

Credit unions aren’t banks—and your members aren’t just customers. You build relationships, offer financial education, and support people through tough times. But when those same people stop paying, you need a partner who can collect without compromising your mission.

At Payment Resolution Partners, we bring the right mix of strategy, sensitivity, and legal compliance to every account. We understand your operations, your values, and your responsibilities. Our team helps you collect what’s owed—without losing sight of who you serve.

Who We Serve: Credit Unions of All Sizes and Focuses

Community Credit Unions

Serving a local population often means working with members you know personally. We recover unpaid accounts while keeping the door open for future service and goodwill.

Federal and State-Chartered Credit Unions

From NCUA-regulated institutions to state-chartered unions, we ensure full compliance with applicable rules while delivering effective, high-integrity collection results.

Multi-Branch and Regional Credit Unions

Larger credit unions require scalable systems, standardized reporting, and consistent member engagement. We offer enterprise-level service without losing the personal touch.

Auto and Consumer Loan Departments

We help collect on delinquent vehicle loans, personal loans, credit cards, and unsecured lines—while preserving member relationships and minimizing charge-offs.

Overdraft and Checking Account Recovery

Unpaid overdrafts and checking account charge-offs can add up quickly. We help you recover what’s owed while keeping your compliance clean and your operations smooth.

Where We Serve: Credit Union Markets Across the United States

At Payment Resolution Partners, we help credit unions recover overdue accounts in regions where loan defaults are rising and timely repayment is critical. These cities represent high-need markets for professional, compliant collections.

Los Angeles, CA: A large lending hub with rising delinquencies on auto and personal loans.
Houston, TX: Fast growth and unsecured lending create more slow-paying members.
Miami, FL: Seasonal employment and a mobile population lead to missed payments.
New York City, NY: High loan volume and economic diversity drive complex collections.
Atlanta, GA: Personal loan and credit card delinquencies continue to climb.
Chicago, IL: Urban lending faces more charge-offs and late payments.
Cleveland, OH: Economic shifts contribute to higher default rates on credit union loans.
Detroit, MI: Auto loan delinquency remains a major issue for local credit unions.
Philadelphia, PA: Aging loan portfolios show increasing signs of member nonpayment.
Charlotte, NC: Population spikes have led to more loans—and more unpaid balances.

Our Client Testimonials

Zach Bramble, MBA
BookSmarts Tax

“I was in a total stand still with a client who just wouldn’t pay. Every conversation became an argument and we were making no progress. PRP jumped in, kept it professional and helped everyone get back on track. In just a matter of days, they got the client to agree to a resolution and cut a check. Huge relief. If you find yourself in a position where you have a client who won’t pay and it’s turning into a mess, you want PRP on your side.“

Dov Ellenbogen, Partner
HiRelations

“After providing three months of marketing services, our client underwent an acquisition and our main contact left the company. During the transition, our payment was overlooked and all communication stopped. PRP brought them back to the table and secured the full payment. We highly recommend them to anyone having difficulty collecting a payment, even in complex situations.“

Josh P., Owner
Cutting Tools Industry

“Really enjoyed working with Payment Resolution Partners. I had never worked with a collections company before, but they were polite, professional, and helped us recoup a good amount of money from a customer that had not paid their invoice for 18 months. The cost for their service was very fair, they communicated well through the entire process, and they will certainly be our “first stop” for future collection issues.“

John Tuck, Owner
Tuck Farms

“We had a customer who initially sent a check that got misplaced, then claimed he sent another one – but nothing ever arrived. After multiple follow-ups and a declined credit card, communication completely stopped. PRP was able to step in, get the customer talking again, and make paying our invoice a top priority. In a matter of weeks, they secured payment. I highly recommend PRP if you’re dealing with a non-responsive client and need results.”

Scott Sulllivan, Owner
Cascade Plumbing

“PRP helped us recover two difficult accounts, including one from a repeat customer who had always paid on time until suddenly going silent on a large invoice. They got the right people involved, and within days, the CEO personally reached out and issued full payment. The second was a new client with a bad track record of not paying vendors that we didn’t know about until it was too late. They hadn’t answered a single call or email in months, but PRP managed to recover the full amount – plus late fees. If you’re a plumbing company or any trade business struggling to collect, I highly recommend PRP. Great communication, relentless follow-up, and they get results.”

Let’s Recover Your Unpaid Invoices Quickly & Easily

We resolve even your most difficult past due accounts, while protecting your brand’s reputation.

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