Your partner in collections. Every step of the way.
MCT Group has served California's community banking and credit union collection needs since 1990.

Need to make a payment?

You can pay your credit union collection account using our secure, PCI-DSS compliant payment processing provider, RePay / MyPayrazr.  To make a payment, please ensure that you have your MCT Reference Number available.  

You will be asked to input your MCT Reference Number and zip code, which are found on all formal communications from us.  

MCT Reference Number -- Example :  "000012345" (Must include leading zeroes.)

Please feel free to contact MCT Group, Inc. by telephone (Tel: 800-622-2242)  if you need assistance with locating your MCT Reference Number; one of our representatives will be happy to assist you. 

To make a payment, click to proceed to the MCT Group, Inc.  RePay/MyPayRazr payment portal. (External Website)

Who we are

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!

Your Partner in Collections

We have experience and expertise in the late stage recovery of many financial products. Whether they are deposit accounts, credit cards, deficiency balances, or other loan products, MCT Group, Inc. has a solution for intelligent recovery.  

MCT Group understands the products and services of its clients as well as the unique situations its members may find themselves in.

Your Partner in Legal Expertise

When necessary, it is necessary and beneficial to utilize the legal system to enforce the terms of financial contracts. MCT Group follows cases that can potentially affect recoveries for the credit union industry to ensure that our clients and their contracts are enforceable. Our legal representation are highly respected experts, which includes past legal representation now serving in a judgeship position.

MCT Group stands behind each case it files and will pay for all up-front costs on behalf of its clients.  

Your Partner is an Industry Veteran

While the collections industry has a reputation for alarmingly high turnover, the current average tenure for an MCT Group collector is 13 years. Our employees are treated with respect and fairly compensated for their hard work and diligence, above industry averages for these oftentimes challenging positions.

Your placement will not be outsourced to an overseas call center; we maintain in-house operations.

This translates directly into improved recovery rates for our clients and a reliability in personal service that is unique to MCT Group.

Your Partner in Consumer Relations

Are you a credit union member that has fallen behind on payments and your account was placed for collection with MCT Group?   

Please don't hesitate to contact us if you find that your account was placed with us.  We can find a solution that works with your current situation to get the credit union paid back and assist in your personal financial recovery and standing.  

MCT Group IS NOT a debt buyer; we work on behalf of community banks/credit unions themselves.  Our representatives will work with you to get your personal business matter amicably resolved.  In some cases, account reinstatement may be possible.

Your Partner in Communications

MCT Group provides multi-channel communication options- with consent- to members.  Not everyone prefers to communicate in one way and MCT Group can engage with consumers using a method that works for them, all while abiding by current regulations governing consumer contact, consent, and contact frequency.

MCT will never "spam" nor otherwise harass a member with a debt; this method has never been effective and is a relic of the past, when the asset recovery industry was largely unregulated.  MCT employs modern, compliant collection practices that are considerate of your financial institution's long term optics with current and future members; we will do everything to work with your members to resolve their debt, which results in the best outcome for both the credit union and its members.  

Your Partner in Compliance

MCT Group takes data security and the handling of your members' personal information seriously.  That's why we have regular third party SSAE 16/18 SOC 2 audits conducted to help ensure this and meet and/or exceed PCI/DSS standards when handling consumers' payments. 

While MCT leverages current technologies to enhance its collection and day-to-day business processes, MCT will not expose sensitive consumer information to third parties.  (ie: MCT does not expose member information to AI productivity tools, such as ChatGPT).

All member data is maintained according to AICPA Trust Services Criteria.  MCT Group can integrate with your credit union's own internal systems through a variety of means and we can provide secure data transport to keep you up to date on all of your placements, while enhancing your compliance posture.

How We Collect

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.

Better Business Bureau

A Rating

MCT Group is one of very few collection agencies that can proudly claim to hold an A rating with the Better Business Bureau. This was accomplished by being dedicated to professionalism and thoroughness in servicing credit unions placed member accounts with respect and fairness.

ACA International

30+ Year Member - The Association of Credit and Collection Professionals

ACA International, the Association of Credit and Collection Professionals, is a comprehensive, knowledge-based resource for success in the credit and collection industry. Collections matter and MCT Group monitors and actively works towards improving the collection industry environment.

CA Association of Collectors

30+ Year Member - California Association of Collectors

The California Association of Collectors (CAC) is the first organized association of collection professionals in the country and the founding unit of ACA International, the Association of Credit and Collection Professionals. As the largest state unit of credit and collection professionals CAC provides a platform for its members to unite and better the collection industry in California. The legal diligence of MCT Group has resulted in several case law precedents in California, to the benefit of collection professionals.

Want to know more?

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!

Contact MCT Group, Inc.

Mon - Friday 8:00 am - 5:00 pm PST

Tel: 1-800-622-2242
Fax: 1-310-372-5192

Contact us by email

Mailing Address

PO Box 7748
Torrance, CA 90504