About Us

Debt Recovery, Done Right

Program Collections was founded on a simple belief: recovering outstanding debt doesn't have to be complicated, adversarial, or stressful — for you or your customers.

Our Mission

We exist to make debt recovery simple. Our team of experienced collections professionals works as an extension of your business — protecting your brand, maintaining relationships, and delivering results. We combine proven recovery strategies with a respectful, compliant approach that reflects well on every client we represent.

Our Core Values

The principles that guide everything we do.

Integrity

We operate with full transparency and strict ethical standards in every interaction — with clients and debtors alike.

Compliance

Every action we take is governed by the Fair Debt Collection Practices Act (FDCPA) and applicable state regulations.

Partnership

We treat every client relationship as a long-term partnership, not a transaction. Your success is our success.

Results

We are relentlessly focused on maximizing recovery rates while minimizing friction for your business.

Compliance & Licensing

Program Collections operates in full compliance with all applicable federal and state debt collection laws. Our team receives ongoing training to ensure every interaction meets the highest legal and ethical standards.

FDCPA Compliant

All collection activities strictly adhere to the Fair Debt Collection Practices Act.

State Licensed

We hold all required state collection agency licenses for the jurisdictions in which we operate.

Data Security

Debtor and client data is handled with strict confidentiality and in accordance with applicable privacy laws.

Ongoing Training

Our collectors receive regular compliance training to stay current with evolving regulations.

This agency is a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. If you believe you have received a communication in error, please contact us immediately.

Ready to Work Together?

Let's talk about how Program Collections can help your business recover what it's owed.