Most companies like credit card issuers, automobile finance, telecommunication, medical, those who provide loans like SallieMae and Discover, and other consumer lending companies need a collecting agency like a Cavalry Portfolio Services who can help them to collect debt effectively from the more delinquent consumers and to contact customers who may avoid other communication channels.

These collection agencies use a collection system that is mainly developed by experts in consumer credits, internet technology and collection industries. These companies engage the purchase and collection of distressed accounts receivable using its owncollection solution.