Capital Management Services L.P.

Capital Management Services (CMS) is a nationally licensed collection agency and BPO company based in Buffalo, New York, helping creditors recover revenue without sacrificing compliance or the quality of consumer interactions. Organizations across the country rely on CMS as a call center USA and back office outsourcing partner capable of managing the full arc of account recovery, from early-stage delinquency through charged-off portfolios, while keeping every consumer touchpoint professional and on-brand. CMS offers a full range of debt recovery and customer service outsourcing services. On the first-party side, the company operates as a direct extension of a creditor's internal team, using client branding to handle past-due accounts before they escalate. Third-party collection services address more complex delinquent and charged-off portfolios through multi-channel outreach and compliant resolution strategies. Beyond collections, CMS runs full call center operations covering overflow customer service, payment processing, account maintenance, and complaint management, making it a practical BPO company USA option for creditors whose needs extend well beyond traditional debt recovery. The client base spans financial services, healthcare, and insurance, ranging from large national financial institutions to regional lenders and service providers. What CMS brings to each engagement is a project approach built around the portfolio's specific compliance requirements and brand standards. In regulated industries, a generic script or off-the-shelf process can introduce serious legal and reputational risk, so CMS structures every engagement around the client's individual guidelines rather than forcing portfolios into a fixed template. Several operational facts distinguish CMS from a typical collection outsourcing vendor. The company holds SOC 2 Type II certification and maintains PCI-DSS compliance, which matters when client data security is a hard requirement. CMS adheres strictly to FDCPA, FCRA, and TCPA regulations and is fully licensed in all required jurisdictions across the United States. An in-house compliance department manages regulatory adherence, risk mitigation, and dispute resolution on an ongoing basis. The leadership team brings over 120 combined years of industry experience, and active membership in ACA International keeps the organization current on regulatory changes and industry best practices. If your organization needs a dependable debt recovery or back office outsourcing partner that can protect your brand while delivering measurable results, CMS is ready to build a solution around your specific portfolio goals. Contact the team to start the conversation.