FAQ's

Our system shows that you are located in Texas. Are you sure that you didn't mean to make a payment to ACB Collectors?

For Debtors

I want to make a payment or set up a payment arrangement.

ABC Collectors, Inc. accepts cash, check, and most major credit cards. You can also make a payment online here. If you’d like to set up an automated payment, please call us at 406-752-8001 or toll free at 1-888-418-8001. We’re happy to work with you to make payment arrangements that fit your budget.

What if I can’t afford to pay off this debt right now?

At ABC Collectors, Inc., we understand the difficulties that come with having past due accounts. We’re always willing to discuss a payment plan that fits into your budget.

I have questions about the accounts that have been placed with ABC Collectors, Inc.

We’re happy to answer any questions you might have about your accounts or debts that have been placed with ABC. Feel free to call us at 406-752-8001 or toll free at 1-888-418-8001. You can also email your questions to [email protected]

Where is your office located?

Our office is located at 130 5th St. E, Kalispell, MT. If you’d like to mail anything to us, you can send it to P.O. Box 1099, Kalispell, MT 59903.

How will this impact my credit?

If your account is paid within 30 days of receiving your initial notice from ABC Collectors, Inc., the account will not affect your credit at all. After that, the affect on your credit will depend on a number of factors, including the amount of the past due account and how long it has been past due. Once your account has been paid, it will be noted as paid on your credit report.

Where can I get a copy of my credit report?

You can get a free credit report at www.AnnualCreditReport.com. The following companies also provide credit reports:

Equifax

Experian

Trans Union

PO Box 740241
Atlanta, GA 30374
(800) 685-1111
www.equifax.com

PO Box 949
Allen, TX 75013
(888) 397-3742
www.experian.com

PO Box 2000
Springfield, PA 19022
(800) 888-4213
www.transunion.com

For Our Clients

How much do you charge?

ABC works on a contingency basis where we only get paid when you do. We cover all fees and charges associated with collecting on your accounts such as court costs, service fees, and postage. For our services we charge 33% on all accounts over $100 that do not require litigation. For accounts under $100 or that do require litigation, our fee is 50%. Custom rates are available for bulk accounts – please contact us to receive a quote.

Will submitting a claim to collections hurt my business’s reputation?

ABC Collectors, Inc. recognizes that Montana is a small state, and your reputation is important to your bottom line. For this reason, ABC Collectors, Inc. emphasizes preserving your reputation in all of our dealings with any debtor. In addition to a respectful, courteous attitude, this means that we’re willing to take the extra time to explain the charges and work with the debtor to set up an agreeable payment arrangement. These tactics preserve your business’s good name and also yield successful recovery rates well in excess of the national average.

What are your recovery rates?

ABC’s recovery rates meet or exceed the national average in virtually every sector. Since recovery rates vary depending on a number of factors, please email us [email protected] and we can provide you with an accurate report on recovery rates for businesses like yours.

What if I already have a judgment – can ABC help me collect on that?

ABC can collect on virtually any account and ABC has an excellent track record of collecting on judgments.

How do I place an account with ABC for collections?

You can fill out a claim form here or you can download a .pdf claim form here

Does ABC report accounts to a credit reporting agency?

Yes, after a legally required waiting period, all accounts are reported on the debtor’s credit report.