LSI customer service representative providing collections solutions for credit union and banking customers

Collections Solutions

LSI’s Collections Solutions are designed to recover more while preserving member or customer relationships. We engage at the right times – evenings, weekends, and holidays to document interactions live in your platform, and accept payments through your approved channels. Recover more, protect your brand, and keep operations efficient.

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The LSI Benefit

Comprehensive Collections Solutions for Financial Institutions

LSI acts as an extension of your team, working directly within your platform. We offer flexible calling cadences, an optional toll-free line, and pricing to fit your needs on a per-call basis.

From early-stage collections (10-29 days) to full-service collections (30-120 days), we focus on empathy and understanding, helping uncover why a member or customer fell behind, and guiding them toward a solution. With tools like email outreach, skip tracing, and mailed notices, plus evenings, weekends, and holiday availability, we help you connect with more people and recover more dollars. Reducing your delinquency rate empowers you to restore account health without sacrificing the Member Experience.

Credit Risk Management: Protect Your Growth

A holistic approach to managing risk means taking proactive steps to manage all accounts. A truly effective strategy goes beyond traditional collections to support long-term portfolio health.

Quality Reviews

We provide comprehensive evaluations of your loan portfolio, offering insights that go beyond the surface. By identifying emerging trends and potential risk factors early, we give you the information needed to take proactive action. This empowers your team to make informed, data-driven decisions that protect your institution and strengthen overall portfolio performance.

Line of Credit Evaluation

Unmonitored lines of credit can quietly become significant sources of risk if left unchecked. Our line of credit evaluations help you proactively adjust limits and restructure terms when needed, ensuring responsible lending practices. By addressing potential issues before they escalate, we help safeguard your portfolio and maintain healthy, sustainable credit exposure.

Friendly credit union specialist with tablet, ready to help members through AlwaysLIVE support.

Collections Services Built for Credit Unions and Banks

Collections Solutions That Protect Relationships

Choose the support you need. From friendly payment reminders to in-depth full-service debt recovery, our team tailors outreach to your members’ or customers’ needs. We log detailed notes, schedule follow-ups, and handle payments when callers are ready. The result? Lower delinquency, fewer charge-offs, and healthier portfolio growth.

Testimonials

Trusted by Credit Unions & Community Banks Nationwide

Credit unions and banks across the country rely on LSI to improve experiences and deliver measurable results. Higher funding ratios, reduced delinquencies, and stronger member relationships are just a few examples of how we can help you achieve long-term success.

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Frequently Asked Questions

Questions? We’ve Got Answers!

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How is LSI different from a typical debt collections agency?

We act as a first-party collector for your institution, display a local caller ID, work directly in your collections platform, and post real-time updates your team can see immediately. That keeps experiences consistent for members and customers. LSI does not get paid on a percentage of dollars collected, like you’d see with many debt collections agencies. It is purely a variable cost.

Do you support early-stage and full-service debt recovery?

Yes. We manage payment reminders at 10–29 days past due and handle full-service collections at 30–120 days with conversations designed to cure delinquency and keep relationships intact.

Can you integrate with our collections platform?

Yes. Our collectors work within your collections platform, capture notes, set follow-ups, and process payments using approved web systems. No batch lag, your team sees progress as it happens.

What increases right-party contact and dollars collected?

Agent-dialed calls from local numbers, combined with strategic evening and weekend outreach, increase contact rates and improve recoveries all while enhancing the Member Experience.

Do you offer options beyond collections services to strengthen portfolio health?

Yes. LSI provides credit risk management support, including Quality Reviews and Line of Credit Evaluations that identify risk trends early and help restructure limits proactively.

Who uses LSI's Collections Solutions?

Credit unions and banks nationwide who are seeking member-first recovery, variable-cost staffing, and domestic, trained agents through the LSI Academy.

Our Blog

Stay Connected with Industry Insights

Catch up on industry trends, best practices, and the latest insights directly from LSI’s experts. Our blog keeps your credit union or bank informed, empowered, and ahead of the curve.

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