For more than three decades, Financial Collection Agency of Tennessee has helped businesses across Memphis and West Tennessee recover past-due accounts with integrity, professionalism, and full regulatory compliance.
Founded in 1988, Financial Collection Agency of Tennessee, Inc. (FCA) is a regional third-party debt collection firm headquartered in Memphis. We work exclusively on behalf of creditors — healthcare providers, small businesses, service companies, and regional institutions — to recover legitimately owed balances.
Under the direction of General Manager Richard Plass, our team of experienced collectors combines local knowledge of the West Tennessee market with disciplined, compliant recovery practices. We are large enough to deliver results, and small enough to treat every client account with individual attention.
Recovery of past-due consumer accounts on behalf of medical providers, retailers, service companies, and other creditors — conducted in strict accordance with the FDCPA.
Business-to-business account recovery for regional companies, focused on preserving the commercial relationship while resolving outstanding balances.
Specialized recovery of patient balances for clinics, physician groups, and healthcare providers throughout the Memphis metropolitan area.
Locating debtors who have moved or become difficult to contact, using established databases and investigative techniques compliant with federal law.
Transparent client reporting and timely remittance of recovered funds, with clear documentation of all collection activity on placed accounts.
Assessment of accounts for potential legal referral, with recommendations based on debtor profile, balance size, and likelihood of recovery.
Accounts are received, validated, and loaded into our secure collection system.
Federally required validation notices are sent, followed by structured outreach.
Payment in full or negotiated arrangements are documented and monitored.
Recovered funds are reported and remitted to you on a regular cycle.
FCA operates in full compliance with the Fair Debt Collection Practices Act (FDCPA), the Telephone Consumer Protection Act (TCPA), the Fair Credit Reporting Act (FCRA), and applicable Tennessee state regulations. Every collector is trained on consumer protection requirements and monitored for adherence to industry standards.