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!

2023 brings a unique financial environment following a long period of unprecedented economic activity and change post-pandemic.  With consumers increasingly relying on credit products to assist with the rapidly changing financial climate and rising interest rates, there is an expectation that credit defaults- which had long been on a decline- will soon also rise and there will be an ever increasing need in late-stage recovery assistance for community banks and credit unions that may have scaled back their internal collection operations.  

MCT Group's rates for recovery are higher than industry averages for credit union collections. For placements that enter litigation, our recovery rates can exceed 25%, where the industry average is 16%.

The training of each MCT employee plays a large role in providing excellent recovery rates for our clients. Each collector is trained in data analysis, active listening, leveraging information from professional communications made with the consumer, public and private databases, and other sources, to form a complete picture of an individual's personal and  financial situation and their ability 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 results on repayment outcomes.

We realize 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 their membership.

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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