CREDITORS COLLECTION SERVICE is an independent 3rd party collection agency whose mission is to be honest and adhere to a pattern of good works for our clients, all the while being empathetic and respectful to their consumers. Our expertise and experience in collecting your past due accounts provide assurance of our agency’s understanding and compliance with the federal Fair Debt Collection Practices Act, state and local laws. CCS is licensed to collect in multiple states with a staff of collection specialists certified through our trade organization, ACA International, the Association of Credit and Collection Professionals. CASH FLOW MANAGEMENT is an extended business office providing first-party collection services using the same advanced contact center functionality, process automation, and workflow optimization as we do at CCS, but with a greater emphasis on customer service. CFM provides an alternative to a traditional collection agency whereby results are achieved, and good public is protected.