Collector churn never stops
Hire, train, lose, repeat — and every empty seat is a portfolio nobody is working.
More accounts worked.Lower cost per seat.
Vetted collectors, skip tracers and back-office support who work your portfolios in your systems, on your call windows — at 50–70% less than hiring locally.
- Top 6% vetted talent
- Working in about 7 days
- Compliance-first call handling
- HR, payroll & compliance handled
400+ positions filled for agencies, law firms and growing businesses.
Let’s talk through your collections team
We’ll map the roles, the call windows and the exact monthly cost — on a free 15-minute call.
Free · No commitment · No pitch
up to70%
Average cost savingsvs. local hires
7days
Average time to deploya new team member
400+
Positions filledand counting
96%
Client retentionrate
up to70%
Average cost savingsvs. local hires
7days
Average time to deploya new team member
400+
Positions filledand counting
96%
Client retentionrate
up to70%
Average cost savingsvs. local hires
7days
Average time to deploya new team member
400+
Positions filledand counting
96%
Client retentionrate
sound familiar?
Portfolios keep growing. Your collector seats don’t.
Every empty seat is money left uncollected. But adding local collectors means local salaries, benefits, dialer licenses and a turnover cycle that never ends. Outsourced collections staff fill the seats fast, at a cost that leaves room in the recovery.
One bad call costs more than a month of recoveries
FDCPA, Reg F, TCPA — you need people who follow the script every time, not most of the time.
Debtors answer at 7pm. Your team left at 5.
Evenings and weekends are when people pick up — and when your in-house seats sit empty.
the human layer
Your dialer can place the call. A person has to handle the conversation.
Automation is great at reminders, texts and right-party contact. Recovery is won in the moments it isn’t: a hardship disclosure, a dispute raised mid-call, a payment plan negotiated live. Those take tone, judgment and clean documentation.
Your rules. Your licenses. Our operational discipline.
SOC 2 audited
Independently audited access and data-handling controls — the documentation creditor vendor reviews ask for. Report available to your compliance team on request.
Trained to your playbook
Your scripts, Mini-Miranda and validation language, contact-frequency limits and escalation paths — before anyone touches a live account.
Monitored, not assumed
Recorded calls, QA scoring against your rubric and coaching loops, so you see compliance performance, not activity counts.
do the math
Same budget. More seats working your portfolios.
A local collector seat runs $4,000–4,500 a month once salary, taxes, benefits and the desk are counted. Set your budget and see what the same money buys — or what the same seats save.
$20,000
$4,000
Hiring locally
5 seats
at $4,000 a seat
With ThriveSource
14 seats
at $1,400 a seat
9 more collectors on the phones for the same money — or keep 5 seats and save $156,000 a year.
Estimates only. Seats are whole hires; exact rates are set on the call.
Price my seatsengagement models
Pick how much of the floor you want to own.
Start with us as the employer of record. Move to a site of your own when the numbers say so.
EOR
Most agencies start here
Your team, our employment
You direct the work day to day; we handle payroll, benefits and local employment compliance. Best for agencies with strong floor management that want seats without setting up an entity.
Captive
When you’re ready to scale
Your own Philippines site
We stand up and operate a dedicated center under your brand. Best for larger operations planning long-term offshore capacity.
roles we staff
From the first call to the final posting.
Front-line recovery and the back office behind it. Don’t see your role? We source against your spec, not a menu.
Front line
Early-out collectors
Friendly pre-charge-off outreach that resolves balances early while keeping the customer relationship intact.
Front line
Recovery collectors
Third-party and post-charge-off agents who negotiate settlements and payment plans within your authority limits.
Front line
Inbound payments & callbacks
Agents who take the callback, answer the balance question and capture the payment while intent is high.
Back office
Disputes & bureau reporting
Staff who assemble validation packets, work e-OSCAR disputes and furnish accurate tradelines — all inside their deadlines.
Back office
Payment posting
Posting, reconciliation and remittance prep, so client trust accounts tie out every cycle.
Back office
Placement loading & onboarding
Staff who load new portfolios, scrub and refresh contact data, and flag bankruptcies and deceased accounts before anyone dials.
Oversight
QA, monitoring & reporting
Reviewers who score recorded calls against your compliance rubric, flag issues early, and build the placement and liquidation reports your creditors expect.
speed to seat
A placement lands Monday. How long until someone is working it?
Every week a seat sits empty, accounts age without a touch. Your training still applies either way — the difference is how fast a qualified, collections-experienced person is in the chair to receive it.
Hiring locally
8–10 weeks to a productive seat
01 · Weeks 1–2
Post the job
02 · Weeks 3–5
Interview & offer
03 · Weeks 5–6
Background, licensing & bond
04 · Weeks 7–10
Train on your systems & scripts
With ThriveSource
About a week to a productive seat
01 · Day 1
Spec call
02 · Days 2–4
Vetted candidates presented
03 · Days 4–6
You interview & choose
04 · Day 7 →
Onboard on your scripts
good questions