Collections & Recovery Services

Ethical, Compliant, and Transparent Collections & Recovery Services

Concord Servicing, through its Blackwell Recovery division, provides industry-leading Collections & Recovery services that balance rigorous debt recovery with professionalism, compliance, and transparency. With over three decades of servicing and collections expertise, Concord helps lenders, investors, and capital markets participants maximize recoveries while protecting brand reputation and maintaining borrower relationships.

Collections & Recovery is not just about recovering dollars—it’s about safeguarding portfolio performance, regulatory compliance, and investor trust. By combining trained staff, secure technology, and compliance-first operations, Concord ensures recoveries are achieved efficiently, ethically, and at scale.

Key Features:

• Early-Stage & Late-Stage Collections: End-to-end management of delinquent accounts, from first missed payments through charge-off and post-charge-off recoveries.
• Third-Party Licensed Recovery: Blackwell Recovery is licensed and bonded in required jurisdictions, ensuring compliance with all federal and state regulations (FDCPA, FCRA, Regulation F, etc.).
• Dedicated Compliance Oversight: On-staff compliance officers ensure strict adherence to regulatory frameworks and ethical standards.
• Technology-Enabled Recovery: Industry-leading collections management system integrated with Concord’s Interlink platform for real-time reporting, transparency, and oversight.
• Secure Data & Infrastructure: PCI DSS Level 1 Certification, SOC 1 Type 2 and SOC 2 Type 2 compliance, robust firewalls, encryption, and secure access protocols.
• Scalable Workforce & Processes: Ability to flex staffing and processes as delinquency volumes shift—supporting growth, economic cycles, and portfolio expansion.
• Transparent Reporting & Analytics: Clients receive real-time access to account-level collections results, recovery performance, and compliance reporting.

Key Benefits:

• Maximized Recoveries with Compliance Assurance: Recover outstanding debts effectively while ensuring alignment with all applicable laws, minimizing risk of fines or reputational damage.
• Transparency & Real-Time Oversight: Concord’s Interlink platform and Blackwell’s reporting tools give lenders and investors full visibility into collections performance and compliance.
• Risk Mitigation & Data Security: SOC-compliant controls and PCI-certified systems safeguard customer data, ensuring trust with investors, regulators, and borrowers.
• Scalability Across Market Cycles: Flexible capacity to manage increases in delinquency volumes during economic downturns without sacrificing compliance or performance.
• Improved Stakeholder Confidence: Robust oversight, real-time reporting, and proven results strengthen confidence with trustees, rating agencies, and capital providers.
• Experienced Partner: With 30+ years in collections, Concord and Blackwell bring tested strategies, trained staff, and technology infrastructure to deliver measurable results.