Trusted Debt Collection and Accounts Receivable Solutions for Keizer/Salem, the Willamette Valley, and the entire State of Oregon.

Revenue Recovery Solutions Built for Today’s Businesses

Woman in glasses smiles, speaking to a couple at a table. Office setting with documents.

Late payments and unresolved balances can quietly erode even the strongest business models. As cash flow tightens, your ability to grow, invest, or even operate can be compromised. At Valley Credit Service Inc., we offer a full suite of professional debt collection services tailored to support the revenue goals of modern businesses — from small local shops to large institutions.

Based in Keizer, OR, we provide solutions that go beyond recovery. We help you regain control over your accounts receivable with services rooted in transparency, compliance, and care.

Our Core Services

Our services are designed to support organizations that want ethical, effective, and professional recovery of past-due balances. Whether you're dealing with consumers, businesses, or both, we have the tools and expertise to help.

Business and Commercial Collections

When companies delay or default on payments, the impact on your cash flow can be substantial. Our business-to-business (B2B) collection services are designed to preserve professional relationships while delivering results. We work to recover outstanding balances efficiently, using tactful communication and proven negotiation strategies.

Highlights:

  • Dedicated commercial recovery specialists
  • Custom messaging for corporate accounts
  • Flexible settlement strategies that encourage payment
  • Support for small businesses, vendors, service providers, and more

Consumer and Medical Collections

For industries that deal with the public — particularly in healthcare, retail, and utilities — outstanding balances often stem from life’s uncertainties. Our collectors are trained to approach every consumer interaction with empathy and discretion. We maintain your brand’s integrity while encouraging timely resolution.

Ideal for:

  • Hospitals, clinics, dental practices
  • Subscription-based businesses and retailers
  • Utility and telecom providers
  • Education and service-based companies

Our approach complies with HIPAA, FDCPA, and other relevant regulations, ensuring each communication is ethical, documented, and sensitive.

Accounts Receivable Management

Think of this as your outsourced A/R support. If your internal team is stretched thin or struggling to keep up with follow-ups, our accounts receivable management service helps you stay proactive.

We contact past-due customers early in the payment lifecycle—before it becomes a collections issue. It’s a preventative solution that improves aging reports and preserves customer relationships.

Features include:

  • Early-stage A/R reminders
  • Soft-touch communication campaigns
  • Ongoing monitoring and reporting
  • Coordination with internal billing teams

Secure Client Portal and Reporting Tools

Transparency is a core value at Valley Credit Service Inc. That’s why we provide all clients with access to a secure, encrypted online portal. You’ll have real-time visibility into every account, every action, and every recovery update.

You can:

  • Upload and manage account files
  • Review collection statuses
  • Download recovery reports
  • Set alerts for milestones or settlements

Compliance You Can Count On

Your collections partner should enhance your reputation—not put it at risk. Our services operate under strict compliance with federal and state regulations, including

  • FDCPA – Fair Debt Collection Practices Act
  • HIPAA – Health Insurance Portability and Accountability Act
  • FCRA - Fair Credit Reporting Act
  • Regulation F - FDCPA Amendment

Our team completes regular training on regulatory changes, privacy law, and ethical recovery techniques. We audit our systems frequently to ensure your data—and your customers’—remains secure.

Custom Strategies for Your Industry

We understand that no two industries handle billing the same way. That’s why we tailor our services for each client. Whether you're in healthcare, government, finance, utilities, retail, or professional services, our strategies are informed by years of experience in your space.



Have unique reporting needs or communication guidelines? We’ll adapt our process to meet your expectations.

Let’s Talk About Your Debt Recovery Goals

Whether you're seeking help with a growing list of unpaid invoices or exploring ways to improve your internal A/R process, we’re here to help. Our team will walk you through the best options for your industry and develop a plan that delivers measurable results — without compromising your brand.

Ready to Get Started? Schedule a Call Today

Let’s find the right solution for your collections and recovery needs. Click below to speak with a member of our team and discover how Valley Credit Service Inc. can support your business growth.