Better Portfolio Performance for Asset-Based Lenders and Lease Finance Companies since 1998

Success Rate

Years of Experience

Field Agents in U.S.

Fully Compliant
and Licensed in
50 States

Tenured Team Members with over 10 Years of Industry Experience

Up to Date

The best repos are no repos at all. That’s why we’ve developed pro-active, upstream solutions to successfully resolve at-risk accounts. The ACS Up to Date Program was designed to help lenders minimize the risks and expense of recovery, while improving overall payment and loan portfolio performance.


Time is of the essence when working to restore an account. Our expert team works quickly, pivoting when necessary to find the right answers for you and your customers.


All our communications with your customers are accessible to you 24/7 so you can be sure our actions align with your interests.

Cost effective

Our seasoned collections and recovery specialists deliver proven results, often at a fraction of the cost of additional hires.


ACS observes the highest standards of business conduct. We’re licensed and bonded in all 50 states, and we were the first to achieve SOC-2 compliance – assuring clients and their customers that their information is safe and secure.

Protecting your brand & reputation

As a third party or acting on your behalf, we treat every customer interaction with the same attention to care and integrity you do. With ACS, your brand and reputation are in good hands.

A Culture of Compliance

Since ACS was founded in 1998, ACS has dedicated itself to doing the right thing for our clients and their customers.


With average industry experience exceeding 10-years and hundreds of years of collective experiences our specialists in collections, recovery and portfolio optimization have solved clients’ toughest portfolio challenges.

Here when you need us

Online or in-office, ACS resources are accessible to you any time of the day or night all year long.

Route to Recovery

The road toward improved portfolio performance has a lot of twists and turns. With solutions developed for every stage of the loan lifecycle, ACS has the talent, systems and technology you need.


ACS is the only leading full-cycle collections and recovery company to achieve SOC-2 Compliance. Learn more about what that means for you!