Debt collection outsourcing with collectors who work in your name

Connext staffs dedicated collections teams, including collectors, skip tracers, and collections analysts, with delivery teams across the Philippines, Colombia, Mexico, and India. They work your accounts in your systems, under your scripts and your compliance program, so you decide how every call sounds. Start with a few collectors or build a full recovery team.

2,300+

Connext employees across four countries (2025)

21 Days

Average time to hire

94%

90-day employee retention

What is debt collection outsourcing?

Quick answer

Debt collection outsourcing means handing collection work, such as reminder calls, payment plans, account research, and dispute handling, to a team outside your in-house staff. With Connext, that team is dedicated to your company and works your accounts in your name, in your systems, under your compliance program, while Connext recruits, employs, and supports them.

Why do overdue accounts keep aging past the point of recovery?

The longer an account sits, the harder it is to collect. Most finance teams know that, and still can’t get to every account in time.

Collection calls get squeezed between other work. Skip tracing waits until someone has a free afternoon. Disputes sit in an inbox, and customers who would have paid stop picking up.

Placing accounts with a third-party agency gets them worked, but it puts someone else’s name on the call and someone else’s practices on your reputation.

What does this look like in practice?

A Texas-based multi-site ophthalmology practice
Inherited a disorganized billing operation with overlapping roles and no SOPs. Connext built a 10-person offshore billing team, including A/R Follow-Up Specialists, and standardized workflows across the onshore and offshore staff.
A Hawaii-based supermarket chain
Moved accounts receivable, invoicing, and bank reconciliations to its Connext team, which freed local staff for financial analysis and planning.
A Hawaii-based bank
Built a 17-person offshore team that includes Loan Servicing Specialists alongside accounting and customer support, reviewed monthly against bank standards.

“With Connext, I finally feel like I have a team that’s willing to grow and follow through. They’re professional, open to feedback, and ready to take on more responsibility. It’s been a total shift in energy and accountability.”

— Billing Manager, Multi-Site Ophthalmology Practice

What can a Connext collections team take on?

TASK 01

Early-stage outreach

Reminder calls, emails, and texts within the contact rules and consent records you set.

TASK 02

Payment plans & arrangements

Negotiates plans inside the terms and limits you approve, and records every promise to pay.

TASK 03

Skip tracing

Locates customers who have moved or changed numbers, using only the data sources you approve.

TASK 04

Dispute & inquiry handling

Logs disputes, routes them per your procedure, and answers account questions so payments keep moving.

TASK 05

Collections analytics

Segments the portfolio, tracks promise-to-pay and recovery rates, and reports where accounts are stalling.

TASK 06

Account documentation

Notes, letters, and call logs kept complete and ready for your compliance reviews.

TASK 07

Collections systems support

Maintains queues, dialer settings, and workflows in your collections software.

Compliance: what your team follows, and what you own

Your collections team works under your program. Here’s how the responsibilities divide.

Area
Connext collections team
Your organization
Scripts & disclosures
Connext team
Follows your approved scripts and disclosures
Your organization
Writes and approves them with your counsel
Contact rules
Connext team
Works within the call times, frequency, and channels set in your policy and dialer
Your organization
Sets the rules under the federal and state laws that apply to your program
Licensing
Connext team
Works under your program
Your organization
Holds any collection licenses your program requires
Disputes & complaints
Connext team
Logs and routes per your procedure
Your organization
Decides outcomes and handles regulators
Data access
Connext team
Uses only the systems and data you grant
Your organization
Sets data and permissible-purpose rules
Quality review
Connext team
Operations manager monitors performance; calls handled per your recording policy
Your organization
Runs compliance QA and audits

How does Connext structure a collections team?

Dedicated to your portfolio

Your collectors work only your accounts, so they learn your customers, products, and payment options.

Recruited for the work

Recruiters screen for communication, negotiation, and conflict-resolution skills against your job description. You interview the finalists.

Your name, your scripts

Every call and letter goes out under your company’s name, following your approved language.

Bilingual coverage when you need it

Connext can recruit Spanish-speaking collectors in Colombia and Mexico for customers who prefer Spanish.

A dedicated Connext operations manager

Reviews the account weekly, reports on productivity and quality, and handles HR and IT issues day to day.

Illustrative monthly role costs

Connext quotes collections rates per search. The closest benchmark in Connext’s 2026 deck is below.

Customer Support (closest benchmark to a collector)
Onshore (US, fully loaded): $63,000/yr (~$5,250/mo). Connext (fully loaded): $20,000/yr (~$1,667/mo). Savings: 68%.

Figures sourced from Connext’s 2026 Company Introduction deck (fully loaded, illustrative estimates based on U.S. market averages and Connext’s ROI calculator methodology; actual costs vary by role, seniority, and location).

Why do finance teams choose Connext for collections?

Your name on every call

Customers hear from your company, under your practices, not a third-party agency they’ve never heard of.

Your compliance program, followed

Scripts, contact rules, and dispute handling come from your policies, and every account note lives in your systems.

Built to stay

94% of Connext hires are still on the job at 90 days, and 91% at six months, so customers deal with the same collector over time.

Bilingual teams

Spanish-speaking collectors from Connext’s Colombia and Mexico teams can work alongside English-speaking teams in the Philippines and India.

Security that matches the access they need

Collectors see customer financial data, so Connext holds a SOC 2 Type II attestation report and runs facilities with biometric, controlled-access entry.

How does Connext compare to in-house collectors or a collection agency?

Factor
In-House Collectors
Third-Party Collection Agency
Connext Collections Team
Whose name is on the call
In-House Collectors
Yours
Collection Agency
The agency’s
Connext
Yours
Fee structure
In-House Collectors
Salary, benefits, and recruiting
Collection Agency
Usually a contingency fee on what’s collected
Connext
One all-in monthly rate per team member
Scripts & practices
In-House Collectors
Yours
Collection Agency
The agency’s, within your contract
Connext
Yours
Customer relationship
In-House Collectors
Stays with you
Collection Agency
Handed to the agency
Connext
Stays with you
Compliance oversight
In-House Collectors
Your program
Collection Agency
The agency’s program, plus your vendor oversight
Connext
Your program, followed by your dedicated team
Path to grow
In-House Collectors
One local hire at a time
Collection Agency
Place more accounts
Connext
Add collectors under the same model
Ready to work every overdue account under your own name?

Frequently asked questions

What is debt collection outsourcing?
Debt collection outsourcing means handing collection work, such as reminder calls, payment plans, skip tracing, and dispute handling, to a team outside your in-house staff. With Connext, that team is dedicated to your company and works your accounts in your name, under your compliance program.
Which collection laws apply to an outsourced collections team?
That depends on how your program is set up, and it’s a question for your counsel. When Connext staff collect your accounts in your name, your organization remains the collector, and the rules that apply to you apply to their work. Your compliance team sets the scripts, contact rules, and disclosures they follow.
Can the team handle Spanish-speaking customers?
Yes. Connext can recruit Spanish-speaking collectors in Colombia and Mexico, working alongside English-speaking teams in the Philippines and India.
Does Connext provide skip tracing?
Connext staffs skip tracers who locate customers using the data sources and tools you approve. Your organization decides which sources are permitted and sets the rules for using them.
How much does an outsourced collections team cost?
Connext quotes collections rates per search based on role, language, and country. For reference, Connext’s 2026 illustrative benchmarks put a fully loaded offshore Customer Support hire about 68% below an onshore equivalent ($20K vs. $63K a year).
Teams  we can help you build
Every client receives the full suite of Connext outsourcing services, enabling you to easily build and manage your offshore team

Our case studies

Scale Behavioral Health Revenue Cycle Operations Without Compromising Quality

See how a behavioral health billing company scaled from 37 to 66 facilities with strong reimbursement, compliance, and quality performance.

Find out more

Scaling Order Processing and Accounting Support for a Hawaii-Based Food Distributor

Build offshore teams for order processing, invoicing, picking tickets, and accounting support. Scale your food distribution business faster.

Find out more

They Were Already Offshoring. It Just Wasn't Working

See how a U.S. IT company replaced a costly contractor with a structured offshore service desk — starting with just two hires. Download the case study.

Find out more