Skip to the main content.
Contact Us Login
Credit Solutions
1_Collections Icon
Collection Services Maximize Debt Recovery, Lower Write-Offs, and Improve Cash Flow
2_UCC Filings Icon
UCC Filing Services Protect Your Inventory, Equipment, and Receivables
3_Lien Process Icon
Notice & Mechanic's Lien Services Secure Your Payment Rights on Construction Projects
4_Job Info App Icon
Lien Waiver Management Protect Your Payments and Streamline Lien Waivers
Credit Tools
9_Lien Calculator Icon
Tools to Save You Time & Money Commercial Collections: Less Write-Offs, More Confidence
4_Job Info App Icon
Job Info App Instantly Verify Job Details to Protect Lien and Bond Rights
5_LienFinder Icon
LienFinder™ Mechanic's Lien Data to Reduce Credit Risk
6_LienTracker Icon
Lien Tracker® Online Track Lien Deadlines and Send Preliminary Notices
7_Lien Digest Icon
National Lien Digest© State-by-State Lien Laws Summarized, Updated, Easy to Follow
8_OnDemand Webinars Icon
OnDemand Webinars Learn about UCCs and Mechanic's Liens at Your Convenience
Credit Resources
10_Credit Hero Blog Icon
Articles & News Discover the Latest Industry News and Insights
11_Case Study Icon
Case Studies Our Clients Share Their Experiences and Successes
12_Events
Upcoming Events Explore What's Next and Mark Your Calendar
8_OnDemand Webinars Icon
Real-Time Webinars Join Us for Our Expert-Led Webinars on UCCs, Notices, and Mechanic's Liens

 

Collections the NCS Credit Way

ncs_bar_hero
 
Talk to An Expert

How NCS Collection Services Work 

NCS Collection Services provide a clear, documented process for recovering commercial debt. Once you are enrolled, NCS manages your collection activity using established workflows designed to align with the status and complexity of each claim.

NCS offers two collection options: In-House Collection Services and Attorney Collection Services. Claims may begin with in-house collections and move to attorney placement when escalation is appropriate.
woman at desk looking at tablet and laptop

Documentation to Have Available When Placing a Claim

Providing complete backup documentation when placing a collection claim helps NCS review the account efficiently and communicate clearly with the debtor. Documentation is also important if escalation to an attorney becomes necessary.

check-icon-orange

Contracts, agreements, or credit applications

check-icon-orange

Invoices and a statement of account

check-icon-orange

Proof of delivery or proof of service

check-icon-orange

Payment history and returned payment records

check-icon-orange

Relevant correspondence or prior demands

check-icon-orange

Personal guarantees, if applicable

 In-House Collection Services

In-House Collection Services are intended to encourage payment through formal demand and professional follow-up, without immediate legal involvement.
 

Free Demand

The Free Demand provides an initial opportunity to resolve the account before active collection begins.

  1. Claim Placement: Claims are submitted to NCS for review and processing.
  2. Demand Issued: NCS sends a written demand letter to the debtor via regular mail.
  3. 10-Day Review Period: If payment is received within 10 days and payment is reported to NCS, no collection fee is assessed. If payment is not received, the claim advances to active in-house collection on Day 11.
 

Immediate Personal Collection

Immediate Personal Collection is designed for accounts that require faster or more direct engagement.

  1. Written Demand: A formal demand letter is issued upon placement.
  2. Phone Outreach: Phone contact with the debtor begins at placement.
  3. Ongoing Follow-Up: Collectors conduct consistent, professional follow-up to secure payment or determine appropriate next steps.

Attorney Collection Services

When legal involvement is appropriate, NCS facilitates placement through its national network of commercial collection attorneys. These attorneys focus on both secured and unsecured claims, including mechanic's lien enforcement, UCC related claims, and commercial litigation when necessary.
Attorney Collection Process List

Attorney Placement Process

The attorney placement process begins when you request placement, at which point NCS provides an Attorney Acknowledgment detailing applicable fees and terms. Once the acknowledgment is signed and returned, your claim is assigned to a qualified local attorney.

The attorney then takes action by issuing a demand letter, reviewing documentation, and investigating the claim. Based on their findings, the attorney provides recommended next steps, and any legal action proceeds only with your approval.

Visibility and Oversight

Throughout the collection process, you retain visibility into claim activity and control over escalation decisions. NCS coordinates communication and manages each stage of the process on your behalf.

Part of a Comprehensive Credit and Risk Strategy

NCS Collection Services support broader credit, notice, lien, and UCC efforts. Each claim is managed using a consistent, documented approach designed to support informed decision-making and effective risk management.
man working at desk facing camera

Do You Know Someone Who Could Benefit from Our Services?

If you know someone who could benefit from NCS Credit's premier services and expertise, refer them to us and we'll send you an $80 gift card!
LEARN MORE

Helpful Articles
team of young professionals at computer

Our Team Is Your Team

If you have questions related to our process, please don’t hesitate to contact your Collections Specialist or email NCSsales@NCScredit.com and we’ll be in touch soon.


Talk to a Specialist
ncs_bar_hero

Explore Expert Insights, Tools & Resources to Strengthen Your Credit Risk Strategy.

Education Center