Member-focused early-stage collections with compliant, compassionate support.

Keep Your Credit Union’s Portfolio Healthy — Without Sacrificing Member Experience

Credit unions thrive on trust, community, and long-term relationships. But when accounts become delinquent, your team needs a partner who can help recover payments professionally, respectfully, and in full alignment with your member-first philosophy.

Magellan Solutions USA provides credit union collections services designed to reduce delinquency, improve recovery rates, and protect the member relationships you’ve worked hard to build. Whether you need support with early-stage collections, late-stage outreach, payment processing, or hybrid AI-assisted solutions, we deliver compliant and empathetic contact strategies tailored to your portfolio.

Why Credit Unions Choose Magellan Solutions USA

✔ Third-Party Collections With True Escalation Leverage

All outreach is performed under the Magellan Debt Recovery name — giving credit unions the escalation strength that drives higher right‑party contact and faster resolutions.

✔ Compliance-First Recovery Framework

Our third-party programs strictly follow FDCPA, FCRA, HIPAA (where applicable), TCPA, UDAAP, and state requirements. We integrate:

• Do‑Not‑Call scrubs

• Consent tracking

• Dispute workflows

• Adverse‑action handling

• Documentation management

✔ Technology-Driven Collections Infrastructure

Our recovery engine combines advanced automation and analytics, including:

• Omnichannel outreach orchestration (voice, SMS, email)

• Portfolio segmentation and propensity‑to‑pay scoring

• Next‑best‑action routing based on risk, value, and behavior

• A/B tested contact cadences

• Real-time dashboards and liquidation analytics

✔ Secure, Integrated Payment Ecosystem

We support ACH, card, and settlement payments with:

• PCI‑aware digital portals

• Digital settlement offers

• Automated reminders

• Instant posting and receipts

• Smart failed‑payment retries

✔ Proven Recovery Processes

We use a six‑step third‑party collections workflow designed for measurable liquidation lift and continuous optimization. We customize strategies to each portfolio segment, improving right-party contacts, increasing promises-to-pay, and speeding up resolution.

Our Credit Union Collections Services

1. Early-Stage Collections (1–60 Days Past Due)

Ideal for credit unions wanting to reduce roll rates and minimize future charge-offs. We provide:

• Friendly payment reminders

• Delinquency education and member guidance

• Account verification

• Promise-to-pay follow-up

• Full documentation and reporting

2. Mid- to Late-Stage Collections (61–180+ Days Past Due)

For accounts drifting deeper into delinquency, we shift into more assertive but still respectful strategies:

• Skilled negotiators trained in financial hardship conversations

• Structured repayment plan outreach

• Settlement discussions where permitted

• Tracing and enhanced skip-solutions (if authorized)

3. Loan-Type-Specific Collections

We support all credit union lending products:

• Auto loans

• Credit cards

• Personal loans

• Lines of credit

• Home improvement loans

• Recreational vehicle financing

• Overdraft accounts

• Small business microloans

Each loan type receives tailored scripts, compliance guidelines, and recovery workflows.

4. Payment Handling & Member Support

Our agents can:

• Take payments over the phone (PCI-compliant)

• Send secure payment links

• Assist with payment plan setup

• Update member information

• Provide loan status support

5. AI-Enhanced Collection Outreach

Your AI customer service agents (via Revmo and Gumloop automations) can:

• Send automated payment reminders

• Deliver 24/7 follow-up after unsuccessful RPCs

• Reduce agent workload on repetitive calls

• Transfer to a live collector when a member is ready to resolve

• Lower your cost-to-collect dramatically

A perfect hybrid model for credit unions seeking efficiency without sacrificing member experience.

How We Protect Member Relationships

Empathy-Driven Training

Collectors receive training in:

• De-escalation

• Financial hardship sensitivity

• Credit union culture and terminology

• Positive scripting to preserve trust

• First-call resolution whenever possible

Brand-Aligned Communication

We represent your credit union exactly as your internal team would—same tone, same standards, same commitment to member care.

Transparent Performance Reporting

You’ll receive:

• Daily/weekly performance dashboards

• Call recordings

• Compliance scorecards

• Recovery rate analysis

• Recommendations to improve delinquency trends

Who We Serve

Our credit union collections services support:

• Community Credit Unions

• Federal Credit Unions

• State-Chartered Credit Unions

• Teacher, healthcare, and employee-based credit unions

• Multi-branch and digital-first institutions

Key Benefits of Partnering With Magellan Solutions USA

• Lower delinquency and charge-offs

• Improved right-party contacts and PTP conversions

• Scalable teams available 24/7

• Seamless integration with your core system

• Better member satisfaction and retention

• Reduced operational costs

• Optional AI-powered automation for ongoing savings

Let’s Strengthen Your Member Portfolio Together

Whether you need full outsourcing, overflow help during seasonal spikes, or an AI + human hybrid model, Magellan Solutions USA gives your credit union a collections partner you can trust.

Ready to improve your recovery rates while protecting member relationships? Let’s build the right collections program for your credit union: