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Loan Servicing
Experienced and Effective Debt Collection Solutions

SMS Financial Recovery Services, LLC (“Recovery Services”) is an affiliate of the SMS Financial family of companies and serves as a third party collection agency. SMS’ Recovery Services division utilizes the highest level of integrity and professionalism, while offering our clients the most aggressive and effective collection methods available.



Recovery Services offers an intelligent, cost-effective alternative to the expense and staffing limitations of a traditional bank’s in-house recovery department, or the inconsistent results achieved by many outside collection agencies. Our vast experience in the collection of delinquent debt allows us to meet the needs of a variety of clients at different stages of the collection cycle.

Our research and servicing department utilizes comprehensive, expert collection management solutions and can immediately begin recovery of your delinquent accounts. We also have extensive experience in post judgment execution and collection, which includes collaborating with our established national network of attorneys who provide expert legal counsel.

Recovery Services is licensed and fully compliant with FDCPA and local regulations, allowing us to handle all facets of collection throughout the country. Recovery Services’ focus is on zero agency accounts with minimum book values of $25,000 per asset.


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