MCT Group, Inc. is a professional collection agency that services the community banking / non-profit credit union industry in California.  Decades of experience and careful attention to the constantly changing legal and regulatory environment has made MCT an invaluable asset to many lenders and their collection departments.  MCT provides credit union members with options to get back on track, tailoring the experience for each member's journey in repayment of their obligation. 

We focus on hands-on intelligent solutions that go beyond simple call or mail volume- we deeply analyze information and consumers' individualized situations in order to service your placements with as much care and consideration as you have for your members and member services.   We understand that your members are more than just an internal scoring model, to be serviced by an algorithm.  

In addition to understanding consumers, MCT's thoroughness and experience in legal solutions have helped us become a well respected and fair litigator-- by our clients, the court sytem, sheriffs departments, and even consumer's own legal representation.

You've spent years building the relationship with your members.  Let MCT Group Inc. help to rebuild it for those members who have found themselves under financial hardship; contact us today for more information how MCT Group can improve the outcomes and recovery of your collection accounts!

Beginning in 2023, a unique financial environment emerged following a long period of unprecedented economic activity and post-pandemic changes. Consumers increasingly relied on credit products to navigate the rapidly changing financial climate.  With the steady rise of interest rates, there is an expectation that credit defaults, which had long been on a decline, would rise again. This will create an ever-increasing need for professional late-stage recovery assistance for community banks and credit unions that may have scaled back their internal collection operations. Consumers need empathetic and knowledgable agencies that can understand their situation and help them navigate repayment and find the win-win scenario that benefits all parties.

MCT Group's rates for recovery are higher than industry averages for credit union collections. For placements that have exhausted soft touch voluntary repayment options and litigation becomes necessary, our recovery rates can exceed 25%, while the industry average is 16%.

The training of each MCT employee plays a significant role in delivering excellent recovery rates for our clients. Each collector is trained in active listening, data analysis, and leveraging information from various sources and in-house technology to form a complete picture of an individual's personal and financial situation and their ability to repay an obligation at any given time. This, along with all applicable local, state, and federal regulations, informs the frequency of contact, payment sizes, or, in some exceptional cases, the need to litigate, with predictive and fair results on repayment outcomes.

We recognize that each placement and member has a different story; we diligently scrutinize each account to find the best approach to ensure fairness, efficiency, and positive recovery outcomes for our clients, without alienating your membership.

MCT Group, Inc. is your partner in collections.  Let us show you what a professional collection agency can do.

See how well your collections placements will perform with MCT Group.    Schedule a meeting with MCT Group, Inc. to see how our recovery services can complement your credit union.  We look forward to serving you!

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