Saba & Associates

Information may not be reliable

The Standard Up-Front
We always work well within the state and federal laws. We are licensed and bonded. We can and do report debt against a consumer's credit. We are members in good standing of the American Collectors Association (ACA), which enables us to forward accounts all across the country without charging you any extra. While these things are important, they hardly make us unique.
Split Shift and Skip - Tracing Collectors
We call your consumers during normal working hours, evenings and Saturdays, but feel confident that we make our calls only during the hours specified by law. Many companies use automatic dialers and avoid in-depth searching for "skipped" debtors. Our collectors work and call at various times so that we can talk to debtors when they are available. We do not use automatic dialers, so that caller ID issues, refusal to accept blocked numbers or numbers no longer in service do not frustrate our collection efforts. We work hard to track down the data that will allow us to collect.
Collections at Over Twice the National Average
The national average for collections on accounts is 16.1% according to the ACA. We collect an average of 42%. This means more money in your pocket, plain and simple. Remember, the key is not a company's rate they charge for collections but their recovery rate. We far surpass our industry's standards and work hard to maintain this great rating.
No Up Front Fees

In House Legal Action
We have a full time attorney and legal department dedicated to securing your payments and giving you the confidence that all your accounts will be handled within state and federal laws applicable to collection procedures.
Simple, conventional, and personal attention.

Our experienced, skilled collectors know that persistence and courtesy produce results.