Industry Collection Experts Serving Keizer/Salem, the Willamette Valley, and the entire State of Oregon.

Every industry has its own set of challenges when it comes to managing delinquent accounts. Whether you're in healthcare or government, retail or finance, the key to successful debt recovery lies in understanding the specific language, regulations, and dynamics of your field.

At Valley Credit Service Inc., we’ve spent nearly nine decades partnering with businesses across Oregon, offering collection services that are not only compliant and professional — but customized to the industries we serve. From patient billing to utility arrears, we adapt our approach to match your standards and support your goals.

Medical providers face a unique challenge: recovering revenue while preserving patient trust. At Valley Credit Service Inc., we understand the sensitivity involved in healthcare collections. Our team is trained in HIPAA compliance, and we prioritize compassionate communication with patients, ensuring dignity at every touchpoint.

Services include:

• Medical debt collection for hospitals, clinics, and private practices
• Dental and vision billing recovery
• Integration with practice management systems
• Secure portals for patient payments and communications
  

Our approach protects your reputation, fosters patient relationships, and maximizes cash flow without compromising care.

Public institutions operate under tight scrutiny and strict budgets. We work with local governments, court systems, utilities, and tax departments to collect outstanding balances ethically, lawfully, and efficiently.

Experience includes:

• Utility billing (water, sewer, electric)
• Parking violations and traffic fines
• Property taxes and assessments
• Court-imposed fees and restitution
  

We follow all public-sector regulations while providing transparent reporting and citizen-focused communication.

Banking and lending institutions rely on speed, security, and strict compliance. Our services are designed to recover consumer and commercial debt while maintaining your institution’s standards and security protocols.

We support:

• Unsecured loan collections
• Overdraft and charge-off recovery
• Credit card delinquencies
• Bankruptcy monitoring and resolution
  

With advanced encryption and detailed reporting, your institution can trust us to protect your customers and your brand.

Late payments can affect infrastructure investments and service reliability. We help utility and telecom providers recover overdue balances quickly and respectfully, so your operations stay strong and your customers stay informed.

Our services cover:

• Power and energy accounts
• Internet, phone, and cable balances
• Disconnection prevention outreach
• Reconnection fee management
  

We act as your partner in education and resolution, ensuring your customers understand their options before services are disrupted.

Retailers and service businesses often struggle to keep up with collections — especially when working across channels. Our flexible collection services help you recover from abandoned invoices, missed payments, and customer disputes with consistency and care.

Industries served include:

• Subscription services and memberships
• Trade and contractor billing
• In-store credit and financing balances
• E-commerce platforms
  

We customize scripts and outreach methods based on your brand tone, creating a consistent consumer experience while ensuring effective recovery.

From consultants to marketing agencies, architects to IT firms—unpaid invoices can disrupt your operations and stall growth. We help business-to-business service providers recover what's owed without damaging client relationships.

We support:

• Courteous, brand-aligned outreach that reflects your organization’s tone
• Tailored notices and communication materials
• Secure, compliant handling of all sensitive client data
• Effective dispute resolution and flexible payment arrangements
  

Because your clients are often long-term partners, we work hard to balance professionalism with firmness, preserving relationships where possible and recovering revenue where necessary.d.