Professional Debt Management & Credit Repair Services
TrustCo Debt Settlement — a family-owned, nationally recognized collection agency with over 19 years of industry experience. We operate on a zero-risk contingency basis — you pay only when we successfully recover your money.
The Partner You Can Rely On
TrustCo Debt Settlement was founded in 1998 as a national commercial business-to-business debt collection agency. Today, our leadership team has over 17 years of hands-on experience in debt recovery.
Our mission is to be your complete debt collection solution — maximizing bad debt recovery rates while protecting your brand reputation. We specialize in insurance claim collections and commercial account recovery for clients across all 50 states.
As a proud American company, we are recognized as an industry leader because we collect debts in a cost-effective, respectful, and legally compliant manner with honesty, responsibility, and total transparency.
Zero-Risk Contingency
No upfront fees, no sign-up costs, no hidden charges. You pay only when we collect.
19+ Years Experience
Founded in 1998 by Mike Anderson. Our leadership brings 17+ years of hands-on recovery expertise.
Dedicated Account Manager
A real person who knows your accounts — daily monitoring, performance updates, and immediate action.
Nationwide Compliance
Fully bonded, insured, and FDCPA compliant in all 50 states. Collecting with honesty and transparency.
Complete Debt Recovery Solutions
From personal loans to commercial accounts — we customize every strategy to your industry and goals.
Personal Debt Collection
Auto · Home Equity · Personal Loans
Personal lines of credit issued by banks and lending institutions, including auto financing, home equity loans, and personal life debt loans. TrustCo has extensive experience recovering overdue personal line of credit debt — helping you increase profitability and reduce financial risk.
Commercial Liability
Workers' Comp · Legal Compliance
Commercial liability and workers' compensation debt collection involve complex legal procedures, documentation requirements, and compliance regulations. TrustCo handles all types of commercial liability and workers' compensation claims with precision, professionalism, and legal accuracy.
Medical Billing & Claims
Healthcare Providers · 30+ Years Experience
TrustCo offers medical claim processing and billing solutions proudly delivered for more than three decades. We serve Medical Providers with specialized expertise in insurance claim collections and healthcare accounts receivable management.
Higher Education
Universities · Student Accounts
We help Higher Education Institutions improve cash flow through fully customized accounts receivable management strategies, protecting your institution's reputation while maximizing recovery rates on overdue student accounts.
Telecom & Utilities
Telecom · Energy · Utility Firms
Specialized debt recovery for Telecom Companies and Utility Firms. Our tailored approach understands the unique regulatory and customer-relationship dynamics of these industries, ensuring compliant and effective recovery.
Financial Institutions
Banks · Lenders · Credit Unions
TrustCo partners with Financial Institutions to recover overdue accounts while maintaining compliance with all applicable banking regulations. Our zero-risk contingency model makes us the ideal partner for institutions of all sizes.
The Collection Agency That Acts with Urgency
Having an experienced debt collection partner is invaluable. Here's what makes TrustCo different.
No Voicemail Ping-Pong
When you work with TrustCo, you'll always speak to a real person who understands your accounts and can take immediate action.
Acts with Urgency
We begin every engagement with a detailed investigation aligned with your company's specific goals. The earlier you partner with us, the higher your recovery rate.
Brand Protection
We collect in a cost-effective, respectful, and legally compliant manner — preserving your client relationships while recovering your money.
Daily Portfolio Monitoring
A dedicated account manager monitors your portfolio daily and provides performance updates so you always know where you stand.
Fully Custom Plans
Want daily updates? Weekly summaries? Full control or hands-off delegation? If our standard programs don't fit, we build a custom plan for you.
Fully Bonded & Insured
Bonded, insured, and FDCPA compliant in all 50 states. We operate with complete honesty, responsibility, and total transparency.
Terms of Use
By accessing the TrustCo Debt Settlement website or using our services, you agree to these Terms of Use and our Privacy Policy.
Accuracy
This website provides general information only. While we strive for accuracy, content does not constitute legal advice or a complete statement of the law.
Liability
TrustCo Debt Settlement, its trustees, agents, and employees shall not be held liable for any decisions or actions taken based on the information provided on this site.
Health & Wellbeing
Any personalized recommendations from TrustCo are financial in nature. We do not provide mental health services. Individuals should consult a licensed medical professional for health concerns.
Authority
You authorize TrustCo Debt Settlement to act on your instructions and the information you provide. Your submitted information serves as the basis for our recommendations.
Availability
We strive for 99.9% uptime but are not liable for service interruptions caused by scheduled maintenance, system upgrades, or third-party provider outages.
Service Changes
TrustCo Debt Settlement reserves the right to modify, suspend, or terminate any part of our services or website at any time without prior notice.
Monitoring
Phone calls and online chats may be recorded and monitored for quality assurance, compliance verification, and staff training purposes.