Credit Bureau of Albert Lea
If you are a consumer, the content on this website was produced by a debt collection agency and any information obtained could be used for the collection of a debt.
The information contained on this website should not be interpreted as legal advice. If you have questions regarding any interpretation of the law, contact your attorney.
Medical Collections
Some Key Benefits of our Medical Collections Program are...
Retail and Service Collections
NSF/Returned Checks
Judgments
Government Collections
Utilities and Telecom Collections
Financial and Default Loan Collections
Commercial Collections
Educational Institution Collections
Second Placement Accounts
The CBAL specializes in Debt Collection
for a wide range of industries...
Just
one
of
many
areas
of
our
expertise
is
Medical
and
Health
Care
Debt
Collections.
A
hospital,
clinic,
physician’s
office,
radiologist,
dentist,
orthodontist,
optometrist,
chiropractor,
hearing
specialist
are
just
a
few
examples
of
the
many
professional
medical
practitioners
or
industries
that
we are able to collect past due accounts receivables for.
The
Credit
Bureau
of
Albert
Lea’s
number
one
objective
is
to
preserve
the
customer
/
provider
relationship
through
respectful,
dignified
and
professional
collection
methods,
while
at
the
same
time
performing
debt
recovery
services
to
our
clients’
expectations.
We
are
able
to
work
with
you
to
facilitate
a
custom
debt
recovery
program
that
suits
your
institutions
needs.
• Get accounts receivable paid and keep customers coming back.
• Assist and educate customers how to pay their account in full.
• Build a custom debt recovery program that enhances your billing department.
• Work with the customer to fully understand and answer questions of the money owed and current billing.
The
Credit
Bureau
realizes
the
changes
that
have
taken
place
in
the
recovery
of
accounts
in
the
medical
field.
We
are
constantly
staying
abreast
of
all
the
rules
and
regulations
that
are
involved
when
handling
your
patients’
medical
information. As the medical industry changes we are capable of staying responsive and adaptive to industry trends.
The
CBAL
collects
past
due
accounts
for
all
retail
and
service
businesses.
These
include
plumbing,
heating
and
ac,
electrical,
automotive,
sanitation,
construction,
childcare,
grocery,
clothing,
floral,
hardware,
restaurant,
funeral
and
computer
services
to
name
just
a
few.
If
you
extend
credit
to
your
customers
and
expect
payment
after
the
goods
or
services
have
been
received
than
you
have
probably
experienced
the
frustration
of
not
receiving
that
payment.
The
CBAL
has
the
knowledge
and
experience
to
collect while allowing you and your staff to focus on your business.
The
Credit
Bureau
of
Albert
Lea
offers
a
delinquent
check
recovery
program.
This
program
handles
the
collection
of
non-sufficient
fund
(NSF),
account
closed
and
no
signature
checks.
The
consumer
who
writes
the
NSF
check
will
receive
notification
of
all
penalties,
fees
and
laws
governing
the
writing
of
the
bad
check.
Once
these
initial
steps
are
taken
it
then
moves
through
the
collection
process
in
the
same
manner
as
other
debt
utilizing
the
letter,
call,
credit
reporting
and
possible
litigation
processes
that
have
been so effective for us.
The
CBAL
can
collect
your
judgment.
There
are
two
distinct
parts
to
every
successful
lawsuit:
winning
and
collecting.
Oftentimes,
the
hardest
part
is
the
latter.
The
judgment
is
just
a
statement
of
your
legal
entitlement.
Whether
or
not
you
will
ever
see
the
money
depends
in
large
part
on
the
defendant's
ability
to
pay
and
your
own
ingenuity.
The
laws
provide
for
an
elaborate
series
of
procedures
to
attempt
to
"execute"
on
a
judgment.
If
you
have
a
judgment
the
CBAL
can
collect
it.
If
your
debt
needs
to
be
collected
through
litigation
the
CBAL
has
the
staff
and
the
experience
to
get
the job done.
In
today’s
economic
climate
there
is
increased
pressure
on
government
to
maintain
or
even
increase
public
services
creating
a
growing
need
to
recover
delinquencies.
The
CBAL
works
with
many
municipalities
at
city,
county
and
township
levels
to
collect
a
multitude
of
fees,
assessments,
taxes
and
fines.
This
additional
revenue
stream
can
often
make
the
difference
in
continuing
programs,
services
and
sometimes
even
positions.
We
also
work
with
schools
to
collect
past
due
accounts
and
delinquent
student
loans.
We
can
assist
municipalities
in
many
ways
including
establishing
agreements
and
resolving
debts
while
treating
the
consumer
with courtesy and consideration.
Today’s
economy
has
placed
many
consumers
in
the
position
of
becoming
delinquent
on
their
accounts.
Many
of
these
customers
are
historically
timely
payers.
For
those
that
fall
behind,
possible
termination
of
service
keeps
the
utilities
and
telecom
near
the
top
of
the
payment
list.
As
customers
not
accustomed
to
struggling
with
meeting
utility
and
telecom
bills
or
similar
obligations
grow,
a
segment
of
delinquent
accounts
requires
specialized
treatment
approaches.
With
the
CBAL’s
advanced
technology
and
skip
tracing
services
designed
specifically
for
the
telecom
and
utilities
industry
we
are
able
to
locate
and
collect
these
past
due
accounts
while
maintaining your business reputation and image.
The
CBAL
has
helped
many
financial
institutions
become
more
profitable.
From
community
banks
and
credit
unions
to
large
national
financial
institutions,
we
manage
past
due
account
receivables
relating
to
overdraft/share
draft
accounts,
loans,
credit
cards
and
other
financial
transactions
and
products.
You
will
find
that
we
are
more
effective
and
efficient
than
most
in-house
collection
efforts.
The
CBAL
follows
all
industry
standards
and
adheres
to
all
privacy
restrictions
as
they
pertain
to
the
collection
industry
including
FDCPA,
FCRA
and
the
Gramm-Leach
Bliley
Act.
Our
financially
minded
team
of
professionals
understands
the
intricacies
of
the
industry
and
work
diligently
to
create
tailored
solutions
that decrease your charge offs and increase your profits.
Commercial
collection
deals
with
business-to-business
accounts.
The
CBAL
has
a
team
of
account
representatives
who
have
the
training
and
experience
for
this
specialized
type
of
collection.
Early
identification
and
timely
placement
of
commercial
accounts
has
a
significant
impact
on
collectability
as
typically
troubled
companies
cash-flow
continues
to
worsen
long
before
it
improves.
The
CBAL
allows
you
and
your
staff
to
focus
on
your
business
while
we
effectively
collect
these
past
due
accounts
in a way that is the least damaging to the business relationship.
The
CBAL
can
provide
universities,
colleges,
school
districts
and
private
schools
with
a
diplomatic
and
effective
approach
to
collections
including
tuition,
student
loans,
fees,
books,
room
and
board
and
fines.
Relationships
are
key
in
any
business,
but
even
more
important
when
dealing
with
your
students.
The
CBAL
team
goes
to
great
lengths
to
preserve
these
relationships
and
help
all
involved
come
up
with
reasonable
solutions
to
their
outstanding
debt.
Our
account
representatives
have
extensive
knowledge
in
these
industries
and
can
get
your account receivables back on track.
A
second
placement
account
is
an
account
that
has
been
placed
with
a
collection
agency
for
a
period
of
time
and
returned
to
the
original
creditor
as
un-collectable.
The
original
creditor
than
places
the
account
with
another collection agency.
The
Credit
Bureau
of
Albert
Lea
accepts
second
placed
accounts
and
gives
them
the
same
priority
as
an
original
placed
account.
The
account
will
go
through
the
same
steps,
utilizing
the
same
effort
as
any
and
every
account
placed
with
us.
We
view
second
placement
accounts
as
an
opportunity
to
show
you,
our
client,
how
successful
our
collection
processes are.
