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Hillcrest Credit Agency
P.O. Box 2220
Bowling Green, KY 42102-2220
Phone: (270) 745-1470 or 1-800-240-3181
Fax: (270) 796-5143

Email:  HCA@chc.net

Hillcrest Credit Agency is one of the largest collection agencies in Southcentral Kentucky with over 25 years experience. Hillcrest currently serves over 200,000 accounts from a wide variety of clients including hospitals, physicians, long distance companies, satellite companies, retailers, and financial institutions. These accounts represent over $39 million in account receivables.

Our Client Service Commitment: Our commitment is to provide the highest quality representation. We are professional yet aggressive in our efforts to contribute to the profitability of our clients. Hillcrest Credit Agency brings to you a well-trained staff that has over 75 years experience in the collection industry. We are members of the American Collectors Association, Inc. and the Kentucky Collectors Association. We are part of an Association throughout the nation that strives to maintain a quality, ethical and educated industry.

Our Recovery Ratio: The national recovery ratios for Collection Agencies throughout the United States are 19%. We at Hillcrest Credit Agency are proud to say we are at a recovery ratio of 36-38 %, well above the national average.

Our Normal Progression for Collection: When an account is placed with our agency, written notification is immediately sent to the debtor. If payment is made within 14 days, no additional action is taken. If payment is not made, the account is placed in a Collection Specialist route. Phone calls and additional correspondence follow. If the account is paid in full within 30 days of placement, it does not appear on the debtor’s credit history.

Our Collection Goals: Our first collection effort is payment in full. If we find that resources do not exist to make that possible, we will work with the debtor to arrange a monthly payment at the highest affordable amount. If these efforts are not successful, the account will be reviewed for legal action. Our legal department will notify you by mail if a request to file suit is necessary. This is at your discretion. Hillcrest has a highly trained skip trace department that locates new addresses, employment, or assets.

What Our Clients Receive: You will receive an acknowledgment of all accounts submitted after posting. Each month you will receive a progress report that will list each of the accounts that you listed with us. This report also consists of how many calls and letters were placed to the debtor, and gives you the status on each one. You will receive a statement of the payment history for that month on debtors that have paid in your office or ours. At no time is there a fee to you if debt can not be collected.