We only get paid when we recover the debt! NO RECOVERY, NO FEE!


Business Practices

We Make Collections Easy

Unlike most collection agencies, CFS does not charge extra for multiple phone calls, letters, or other forms of communication to obtain monies owed. 

We charge a fixed, non-increasing percentage, unlike many collection agencies who increase fees as the debt ages. Therefore, we have every reason to professionally pursue your debtors quickly and persistently from the very beginning.

CFS differentiators:

1. Only charged if debts collected

2. Free contract consultation to incorporate language and fees regarding delinquent accounts

3. Diverse subject matter expert team: mediator, investigator, legal counsel, and extensive network with other business professionals

4. Accept all levels of bad debt

Working Smarter to Optimize Collections


CFS incorporates business performance data collection and metric evaluation indicators to improve our customer service. Our ethical processes and procedures, professional and respectful serving demeanor, and client focused objectives are key to our success. 

We strive to reduce the days to collect debts, increase successful collection percentage, and serve and document accurate information to comply with the Court and legal requirements.


We utilize tried and true methods as well as integrating new cutting-edge technology and collection techniques to increase recovery of debts owed to you. We are implementing technology to produce optimized delivery routes, and maintain professional delivery tracking information such as date, time, and exact GPS coordinates.  We diligently work with clients to customize our services to best exceed the needs 

Client Testimonial

"CFS's professional, tireless staff have carried the burden of debit collections for our organization for 25 years!   Knowing that CFS has our collection needs covered, my staff and I are able to focus on our specialties to keep our business moving forward."  

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Business Values

Ethical Standards and Respectful Service

CFS policies and practices rests on acceptable, ethical, interactions and respectful service with  clients, other organizations, and individuals we encounter.  


We are proud to actively support our community by volunteering at events, supporting nonprofits, and assisting individuals in need.  In the past we have supported community and school fundraisers, donated funds to help cover delinquent elementary school lunch accounts, and extended our support to local veteran and emergency service recognition initiatives.  

Wood Flag Photo

The wood flag pictured above was made by a Disabled Veteran who just moved to Fredericksburg (size is approximately 37" by 20").  

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