Harvard Collection Services, established in 1982, provides collection services and debt management for a national client base. The company is fully licensed, and complies with all state regulations and Fair Debt Collection Practices Act guidelines. The company is divided into 12 units, specializing in receivables management for specific client market categories. The services offered by the company include first- and third-party collections, recovery, billing, special project account recovery, and management consulting. It offers telephone, computer and online data transmission, reporting and case tracking systems, assignment capabilities, and payment systems, including Western Union, Visa and MasterCard, and Direct Check. It also provides an internal skip tracing department, and employs external skip tracing resources as an effective means of tracking and locating customers. Harvard Collection Services is headquartered in Chicago.