Our Services
End-to-end debt recovery solutions for businesses and individuals across Michigan.
Comprehensive Debt Recovery
Credit Services of Michigan provides tailored recovery solutions with a commission-based structure that ensures aligned incentives — we succeed when you do.
Commercial Collections
Recover past-due invoices, unpaid contracts, and outstanding business accounts. We serve medical offices, contractors, property managers, retailers, and professional service firms throughout Michigan.
Consumer Collections
Personal debt recovery handled with discretion and full consumer protection compliance. Ideal for landlords, individuals, and small claims matters.
Early-Stage Recovery
Professional demand letters and structured follow-up before accounts escalate — preserving business relationships while prompting timely payment.
Reporting & Analytics
Clear account status reporting so you always know where your recoveries stand. Transparent metrics and regular communication from your dedicated team.
Skip Tracing & Locates
When debtors move or become difficult to reach, our team uses proven locate methods to re-establish contact while remaining fully compliant with privacy regulations.
Accounts Receivable Consulting
Not sure where to start? We help businesses evaluate their receivables, improve internal collection processes, and determine the best recovery strategy.
How It Works
- Initial Consultation — Contact us with your account details. We review your situation, explain our process, and outline our fee structure. There is no cost for this consultation.
- Account Placement — Once you decide to proceed, we place your accounts into our recovery system and assign them to an experienced collector who understands your industry.
- Professional Recovery — Our team contacts debtors through compliant letters, phone calls, and structured follow-up — always professional, always within the bounds of the law.
- Payment & Reporting — When funds are collected, we remit your share promptly and provide clear reporting on every account. You pay our commission only on successful recoveries.
What Makes Us Different
Many collection agencies buy debt at a discount and profit by collecting as much as possible, regardless of the original creditor’s interests. Credit Services of Michigan operates differently.
We work exclusively on your behalf. You retain ownership of your accounts, set the parameters for recovery, and receive transparent reporting throughout the process. Our commission-based model means we only earn when you do.
Start a Conversation
Tell us about your receivables and we’ll explain how we can help — at no cost and no obligation.