Collection Agency Outsourcing & AI Enablement

Scalable collector staffing and AI-powered solutions built specifically for collection agencies

Scaling a collection agency requires more than adding headcount. It requires the right mix of people, processes, and technology—deployed strategically across portfolios, clients, and risk profiles.

Magellan Solutions USA helps collection agencies expand capacity, control costs, and improve recovery rates through flexible collector outsourcing models and AI enablement. Whether you need U.S.-based collectors, nearshore or offshore teams, AI-powered outreach, or real-time AI assist tools for your collectors, we help you build a collection operation designed for growth in a regulated environment.

Built Specifically for Collection Agencies

This solution is designed exclusively for collection agencies that need to scale efficiently while improving performance and controlling costs.

We help agencies lower cost per account worked through more economical staffing options—domestic, nearshore, and offshore—while delivering best-in-class AI technology that boosts collector productivity, consistency, and recovery rates.

From margin pressure to portfolio complexity, we understand the realities of running a collection agency and provide the staffing flexibility and AI performance lift needed to stay competitive.

Flexible Collector Outsourcing Models

No two portfolios are the same. That’s why we offer multiple collector staffing options that can be deployed independently—or combined—to match your agency’s needs.

Domestic (U.S.-Based) Collectors

Domestic (U.S.-based) collectors are ideal for brand-sensitive and highly regulated portfolios where conversation quality, compliance confidence, and client perception matter most. These teams excel at handling complex, high-touch accounts and escalations, making them a strong fit for agencies supporting premium clients or risk-sensitive portfolios. With accent-neutral communication and cultural familiarity, U.S.-based collectors help agencies secure easier client approval, reduce friction during audits, and protect long-term client relationships—while delivering reliable recovery performance where it matters most.

Nearshore Collectors

Nearshore collectors offer the ideal balance between cost efficiency and performance, making them a strong choice for collection agencies managing high-volume portfolios without sacrificing conversation quality. With time-zone alignment and strong English and bilingual (Spanish) proficiency, nearshore teams integrate seamlessly into U.S.-based operations while maintaining consistent outreach standards. This model allows agencies to significantly reduce cost per account worked while retaining greater operational control and flexibility than offshore-only approaches—making it a smart, margin-conscious option for scalable growth.

Offshore Collectors

Offshore collectors provide maximum cost efficiency and scale, making them a powerful option for agencies managing large, process-driven portfolios. These teams can be deployed for full end-to-end collections or used strategically as transfer agents, warming up accounts and handing off qualified debtors to domestic or nearshore collectors for final resolution. This flexibility allows agencies to dramatically lower cost per account worked, absorb portfolio spikes without over-hiring, and allocate higher-cost resources only where they generate the greatest return—while maintaining consistency through strong QA and oversight frameworks.

Key advantage:Choose the right staffing model by portfolio or client, not a one-size-fits-all approach across your agency.

AI Enablement for Collection Agencies

AI should make your collectors better—not replace the controls that keep your agency compliant. Our AI solutions are designed to support and enhance collection operations, whether deployed independently or alongside human collectors.

AI Debt Collection Agent

The fastest way to scale a collection agency isn’t hiring more collectors—it’s removing the work that doesn’t require one. Our AI Debt Collection Agent is designed to handle the high-volume, repeatable interactions that consume collector time but don’t drive meaningful negotiation. From early-stage outreach and reminders to inbound call handling, after-hours coverage, and intelligent routing, the AI agent expands your agency’s capacity while lowering cost per account worked.

What makes it different is how it fits into real agency workflows. The AI doesn’t replace collectors—it filters, warms, and qualifies accounts, escalating only engaged debtors to human agents with full context intact. That means your collectors spend more time negotiating and closing, not dialing, repeating disclosures, or managing overflow. The result is measurable performance lift, tighter execution across portfolios, and real labor cost savings—without sacrificing control or compliance.

👉 Explore the full AI Debt Collection Agent workflow

AI Collector Assist

Hiring more collectors doesn’t fix performance gaps—better guidance does. AI Collector Assist acts as a real-time performance layer for your collection team, helping collectors say the right thing, at the right moment, on every interaction. By delivering live prompts, objection-handling guidance, approved language support, and automatic call summaries, AI Collector Assist reduces variability between collectors and enforces consistency across portfolios.

For collection agencies, the impact is immediate and measurable. New collectors ramp faster, experienced collectors close more efficiently, and managers spend less time correcting calls and more time optimizing strategy. Instead of relying on memory, manuals, or constant supervision, collectors are supported in the moment—driving higher recovery rates, lower training costs, and improved compliance confidence across your operation.

👉 Explore AI Collector Assist

Designed for Regulated Environments

Collection agencies operate under strict regulatory and client requirements. Our solutions are built to support FDCPA-conscious operations and agency-level oversight.

Key considerations include:

• Script-controlled outreach

• QA-driven processes

• Human-in-the-loop AI configurations

• Portfolio-specific deployment strategies

We don’t promise shortcuts—we help agencies build scalable operations that stand up to scrutiny.

Why Collection Agencies Choose MSUSA

• Experience supporting regulated, high-volume contact operations

• Multiple staffing models under one partner

• AI enablement without forcing full automation

• Flexible scaling by portfolio or client

• A long-term partner focused on operational performance—not just labor

Ready to Scale Your Collection Agency?

Whether you’re expanding portfolios, onboarding new clients, or modernizing your operation with AI, MSUSA helps collection agencies scale intelligently.

Talk to a collections outsourcing expert today and explore how global outsourcing and AI enablement can strengthen your agency’s performance: