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.








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.

Boasting state-of-the-art-technology, ICR will recover your business to business past due accounts in the shortest time frames possible. Our expert recovery specialists will negotiate a prompt solution to your problem accounts and get your cash flow on solid ground quickly for you.

Progress and reporting is available on-line and we’ll even transmit your recovered funds electronically directly into your accounts.



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.

Clients are able to generate their monthly statements, status and many other reports online at the desired time intervals. Maintaining open lines of communication will ensure that you are kept aware of activity and progress being made on your portfolio.



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.

In our never ending determination to become the best recovery specialist in the nation, ICR is always tweaking the recovery process. Our management team and compliance departments devote a great portion of their efforts to training, educating, monitoring and in general working with our staff closely to maximize their potential to be the best that they can be..

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.

Using our on-line capabilities provided to ICR’s clients and our debtors, you can monitor the total activity of your accounts and the students can review and make payments accordingly. Clients can also generate activity reports when convenient.