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Welcome to Immediate Credit Recovery, Inc.

Immediate Credit Recovery is dedicated to the speedy and ethical collection of outstanding debt.
Our staff of professional recovery specialists are trained to foster an atmosphere
which brings quick results for our clients.



About Us

ICR History

ICR was founded in 1990 to serve the collection needs of institutions of higher education, healthcare providers, and government and commercial entities across the nation. ICR has the specialized leadership, technology, and experience to provide institutions with a custom turnkey collection program.
ICR’s excellent management oversight, zero-tolerance complaint program, exceptional customer service, advanced borrower privacy and data security safeguards, on-line account review and reporting, along with cutting edge technology and countless other services have catapulted ICR to the top of our industry.

Our Mission

ICR is committed to providing superior debt recovery services while maintaining the highest level of professionalism and respect for all parties involved. This will be accomplished by the pledge to ensure that all consumer debtors maintain their dignity and self worth throughout the assistance being provided to them in resolving their outstanding debts.

Georgia Office

New York Office

Texas Office




Government Debts

Our Atlanta office management team has over 100 years of experience in managing, collecting and competing on successful varied government contracts. These include federal student loans, state guarantee agencies, state revenue and delinquent utilities bills.
In 2009, the US Department of Education awarded their prestigious student loan contract to Immediate Credit Recovery (ICR).
Our Government team understands the sensitivity to complaints that may arise when handling these types of accounts and therefore are well prepared to ensure that the staff is especially sensitive to this issue. The staff is very structured and disciplined in our collection approach which allows us the ability to minimize issues while providing outstanding and superior results.

Educational Institutions

Since our inception in 1990, ICR has specialized in the recovery management and resolution of delinquent Perkins, Health Professional and Institutional student loans. Our expert recovery specialists have also worked with tens of thousands of other student consumers each year to resolve their outstanding tuition receivables, including emergency loans, parking and library fines.
ICR is fully registered and licensed to provide collection services in all 50 states, Puerto Rico and the Virgin Islands, to the extent required by applicable law. In addition, ICR has experienced tremendous success resolving accounts from debtors in Europe and many other parts of the world. Numerous of our over 400 school institutions can attest to this level of accomplishment.


Since ICR’s inception in 1990, our healthcare division has provided top level recovery service to hundreds of medical providers nation wide. From resolving complex issues with insurance carriers to lending a compassionate ear to the patients that then work out self pay arrangements, our specialists are experts at handling any type of claim.


Established as a complete receivables management firm in 1990, ICR has provided a complete assortment of collection services to businesses nationwide. From pre-collection or early out programs to the management of litigation using a network of attorneys, ICR can meet all of your delinquent account recovery needs.


ICR’s long-term success is contingent upon how successful it can compete in the labor market. We have implemented strategies to successfully attract the very best candidates, while at the same time assuring there are no employment barriers that might inhibit their full utilization within the ICR organization.
Hudson Valley Help Wanted

Hudson Valley Help Wanted


Elizabeth Barrett @ Emory University

"We have been working seamlessly with ICR for over 19 years and are looking forward to a continue partnership."

Steve Collins @ University of North Texas

"The style of collections you guys do is very difficult... with no attached collateral you have to be extremely tactful. Ya'll do a darn good job."

CareMount Medical

"ICR is a consistent, reliable agency and their client service department is so knowledgeable and friendly. It is a pleasure working with ICR!"

Contact Us

Our Mission

ICR is committed to providing superior debt recovery services while maintaining the highest level of professionalism and respect for all parties involved.

Our Address

  • New York Office
  • 6 Neptune Road
    Suite 110
    New York 12601
  • (800) 234-4271
  • (845) 297-2226
  • Texas Office
  • 2905 Sherwood Way

    San Angelo
    TX 76901
  • (844) 395-4591
  • (325) 223-1503
  • Georgia Office
  • 3330 Chastain Meadows Pkwy
    Suite 100
    Georgia 30144
  • (855) 889-3111
  • (770) 792-8167

© 2018 Immediate Credit Recovery, INC. All Rights Reserved.