About Us

OUR MISSION

Stephens & Michaels Associates, (SMA) assists companies in improving their profitability by recovering past due customer balances. We place the needs and satisfaction of our clients foremost in all our operations, and our collection practices always reflect positively on their brands, values and business practices.

OUR VISION

Stephens & Michaels Associates seeks to be a premier and respected leader in the credit and collections industry. To achieve this vision, we will conduct our business to achieve maximum recovery results for our clients while maintaining the highest standards of ethics, reliability and professionalism.

SMA has developed comprehensive programs that address the unique needs of our clients: including

  • Pre-charge off
  • Post-charge off
  • In-stat
  • Out-of-stat
  • Repossession
  • Remarketing

A RANGE OF PROVEN-EFFECTIVE ARM SOLUTIONS

Organizations of every size can boost their profitability by working with SMA. Click to learn more about:

  • recoveryMAX® - Assists smaller companies in collecting past due receivables before they become charged off accounts.
  • avert® - Retains customers by bringing past-due accounts up to date, while avoiding repossessions.
  • proCLAIM® - Leverages database and telecom technology to the maximum, significantly reducing bad debt exposure.

COUNT ON OUR COMMITMENT TO ETHICS AND COMPLIANCE

Licensed and bonded in all 50 states, SMA is an ISO 27002 compliant company. Our business practices adhere strictly to guidelines and regulations set forth in the Gramm-Leach-Bliley Act (GLBA), Fair Debt Collection Practices Act (FDCPA), Telephone Consumer Protection Act (TCPA) and the Privacy Rule of the Health Insurance Portability and Accountability Act (HIPAA). Additionally, SMA is a Certified Agency of ACA International's Professional Practices Management System (PPMS).

MEMBERSHIPS AND ASSOCIATIONS