Early Stage Recovery Services

Recover More and Empower Borrowers

Recovering early-stage delinquent accounts is a drain on resources. It’s expensive, time-consuming, and pulls your team away from truly value-added activities.

Our innovative approach to working early-stage accounts helps our clients decrease delinquencies, cut costs, reduce headaches, and improve cash flow. We deliver a first-rate user experience that makes it easier than ever for your borrowers to get back on track while you focus your resources on helping your current borrowers and improving your department.

Client Testimonials

  • "The dedicated team at The Stark Agency are professional, responsive, and always exceeding expectations. Stark's philosophy to treat all consumers with respect and their commitment to compliance makes them a trusted partner."

    Christina Christensen, Veridian Credit Union

  • "Stark's commitment to excellence and service is evident in every interaction. They are responsive, provide regular updates, and consistently exceed our expectations. I highly recommend the Stark Agency for their dedication to acheiving outstanding results."

    Amy Sonnemann, UnitedOne Credit Union

  • "I am pleased to recommend Stark to any organization looking to partner with an agency dedicated to results, focused on compliance, and a commitment to partnering with consumers to foster results in a respectful manner. "

    Neal Burd, Everwise Credit Union

  • Neighbors Credit Union

    "Stark came organized, provided prompt and consistent follow up, offered suggestions and demonstrated flexibility when needed. They did their best to do things for us to keep our onboarding on track. Exceptional experience!"

    Jason Cook, Neighbors Credit Union

Contact Us

Recovery on Autopilot

Imagine: What could you achieve with less time spent hiring and training an internal team? What cost savings could you achieve if you could reduce overhead and scale your resources perfectly to match with need? How much would your delinquency rate decrease if you had access to every communication channel to reach your members?

Contact us to receive a copy of our ROI calculator and a customized quote built to your needs!

Why Use Stark Outsourced Services?

Spend Less

Reduce overhead and better leverage your existing team by focusing them on high-value tasks

Better Results

Our proven approach, tech-driven strategies and skilled team of specialists outperforms in-house recovery teams.

Scalable Solutions

Keep delinquencies down no matter how big your institution grows or how many loans your lending team issues.

We Deliver Exceptional Client Experiences

We view our clients as true partners and work collaboratively with them to create unique solutions to meet your needs. This, combined with our unique value-added features, creates a memorable – and effective – client experience.

We Proudly Offer:

  • Guided, detailed onboarding

  • Live, interactive web portal that provides complete control over your accounts

  • Robust, customizable reporting

  • Knowledgeable, experienced staff

  • Prompt, incisive customer service

Complete Flexibility

Easily adjust account volumes, workflows and strategies without adding to your team or infrastructure and without onerous long-term commitments. Custom treatment strategies across your portfolios allow for peak performance with optimal pricing. Choose between direct funding for each payment or daily remittance.

Next-Level Technology

Leverage SMS, email, ringless voicemail, phone calls and IVR to reach your customers on their preferred channel. While your members are easily making payments and getting on with their day, our analytics are continually honing our approach to lead to quicker recoveries.

Comprehensive Compliance Management

Representing our clients is a privilege we take seriously. We are dedicated to protecting our clients’ reputations and confidential information. Our robust training programs and compliance controls ensure adherence with both federal and state regulations.

Our empathy-based approach to communications allows to protect – and even improve – our clients’ relationships with their borrowers.

Stark’s team are experts on:

  • FDCPA

  • Reg F

  • FCRA

  • TCPA

  • GLBA

  • Safeguards Rule

  • State Requirements