When we collect for our clients, we serve as representatives for said clients, thus we have an ethical imperative to provide effective collection practices that also uphold our clients’ mission and vision.

Our approach to the collection of accounts is based on the concept of “PHD,” Preserve Human Dignity. The same exceptional customer service we provide our clients extends to the debtor. Each collection representative is thoroughly trained to treat every debtor like a human being, not an account number. They take debtors’ financial situations into consideration case-by-case and work with them to provide payment options. Collectors make arrangements that fit a debtor’s budget, while remaining assertive and motivated to satisfy the debt as quickly and completely as possible. PHD doesn’t just increase a debtor’s ability and willingness to pay; it ensures more accounts paid in full and more money recovered for our clients.

Not only does ARG’s customer service-based philosophy preserve human dignity, it preserves the law. All collection efforts made on an account are in strict compliance with the Fair Debt Collection Practices Act (FDCPA). All of our collection representatives receive comprehensive training in the FDCPA. Additionally, they sign a contractually binding statement of compliance, agreeing to uphold the regulations set in the FDCPA. Our highly trained supervisors routinely monitor collectors’ performance; guaranteeing legal boundaries are never overstepped.



The most integral part of what successfully keeps Asset Recovery Group a cut above the rest is our Executive Management team, comprised of distinguished and experienced individuals who have contributed a combined 172 years of commitment to the Accounts Receivable Control industry.

Michael G. Schindler - President and Chief Executive

  • Over 45 years of industry experience.
  • Twenty-five year Healthcare Financial Management Association (HFMA) membership commitment.
    • Reeves Silver Award recipient.
    • Chapter Patient Account Program Chair.
    • Chapter Board member.
  • Former American Association of Healthcare Administrative Management (AAHAM) Chapter President (2 terms).
  • National AAHAM Board member.
  • Nationally recognized seminar presenter.

Mary Emerton - Executive Director, Business Development

  • Over 30 years of industry experience.
  • Fifteen-year HFMA membership commitment.
    • Chapter Past President.
    • Muncie Gold Award recipient.
    • Chapter Patient Account Program Chair.
    • Chapter Board member.
  • Past President, Oregon Collectors Association (ORCA).
  • Director of Risk Management and Client Relations
  • Executive Team Member

Terry Geopfert - Executive Director, Finance

  • Over 35 years industry experience.
  • Oversees all aspects of fiduciary responsibility and financial management.
  • Operations and Purchasing Manager.
  • 401(k) Administrator.
  • Director of HR and Staff Benefits.
  • Executive Team Member

Finally, our Client Relations representatives have 30+ years of experience in handling every phase of our business. We guarantee a live body is here to assist you during business hours. Additionally, contact via voicemail, email, and fax is available for your convenience.


Expertly-Trained Professionals

Asset Recovery Group has a corporate imperative requiring continual training for all our staff members. We are committed to providing our staff opportunities for success and a firm understanding of current collection practices and regulations. Initial training includes extensive Fair Debt Collection Practices Act (FDCPA) instruction, culminating in testing that requires a score of 100 percent to pass. Every employee must sign a statement acknowledging they have been trained on the FDCPA and understand that non-compliance with that law can result in immediate termination.

We employ a full-time training specialist who has over 20 years collection industry experience. The primary responsibility of the trainer is to coach our staff on ethics, specialized telephone techniques, customer service skills, interacting with difficult people, as well as current changes in our industry.

We have an extensive library of educational books, videos, and audiotapes available for all staff to utilize. The goal of providing access to these materials is to promote personal and career development. Our management team is committed to consistent one-on-one coaching and mentoring to ensure the continued growth and success of all of our staff. We believe in the potential in our people to strengthen their skills, contribute to ARG’s organizational goals, and in the development of his or her own unique talents and abilities in order to achieve maximum performance.

ARG also has safeguards in place to ensure our collectors are consistently compliant with their training. Collection supervisors regularly monitor collectors’ phone calls to debtors and gives instructional feedback both during and after the call. Account transcripts are also spot checked for notation quality and accuracy. These measures ensure account handling adheres to company policies and legal regulations.


Technology to Serve You

Asset Recovery Group continually implements new technology to ensure maximum efficiency and results for our clients. Our automated collection system is unrivaled in the industry. We have over 5.8 million records in our database, all of which are accessible by each of our offices and collection attorney firm through an interconnected mainframe. Our state-of-the-art fully-redundant virtualized server infrastructure achieves this with the utmost speed and reliability.

With a company that receives roughly 80% of client accounts via electronic transfer, security is a must. Account and data transfers to and from our clients are handled through our secure FTP server equipped with multiple network firewalls. Our server is monitored regularly to prevent any unwanted intrusion. Your data is safe with Asset Recovery Group.


Professional Memberships

  • American Collectors Association International (ACA)
  • ACA International - Healthcare Service Program
  • Oregon Collectors Association
  • Washington Collectors Association
  • Healthcare Financial Managers Association (HFMA)
  • American Association of Healthcare Administrative Management (AAHAM)


"I have been involved in medical billing for all types of specialties for more than thirty years. Asset Recovery Group is the most professional collection agency I’ve encountered in that time. Not only are they professional but their collections rates are consistently superior to other agencies. In addition, they offer tailored reports that work well with our complicated compensation system and make my job easier."

- McKesson Corporation
Sr. Director Client Services

"Pioneer Pacific College has been with ARG for 4 years and they have out-performed all of the other collection agencies that we have used over the years. They are very professional in their approach to the collections process, which helps to eliminate complaints from our students. They are very responsive to our needs."

- Pioneer Pacific College