About Us
For over six decades, CCCS has been an active member of both the American Collectors Association (ACA) and the California Association of Collectors (CAC). Additionally, the company is an approved State of California General Services Collection Agency and a designated State of California Small Business Agency.
Our Story
Cal Coast Credit Service is a leading credit receivables management company, providing a wide assortment of services including key business functions of debt and judgement collection and client location through our skip tracing service.
We serve the North Bay area; the East Bay area; and the San Francisco Bay Area. Specifically, we offer assistance to Santa Rosa, CA; San Francisco, CA; San Rafael, CA; Healdsburg, CA; Sausalito, CA; Napa, CA; American Canyon, CA; Richmond, CA; Martinez, CA; Walnut Creek, CA; and Hayward, CA
We have performed outsourcing and collection activities for a broad range of clients, including business professionals, and commercial, retail and wholesale entities, private pay medical and dental practices, rental properties and much more. We also cater to educational providers, financial and insurance businesses, health care providers, hospitals, and government agencies.
The company’s history attests to its sound financial condition with accounting and bookkeeping systems of the highest standards. Senior management provides a strong professional base with proven ability, integrity, and experience in all collection areas. The operations are supported by a high-quality, well-trained staff. Since 1955, CCCS has consistently fulfilled the client’s needs far beyond their expectations, providing outstanding service and one of the highest collection recovery rates in the industry. Delinquent accounts are pursued in an assertive, yet professional and respectful manner. CCCS uses the recognized DAKCS Collection Software and maintains 24/7 systems and backup support.
Our Mission & Vision
People Count
We put people first because at the core, it’s people who drive our business and our success. This personalized approach to our employees and our customers is our most fundamental value and the key to our success
Customer Service Matters
You can have the best product on the market, but without great customer service to accompany it, your company’s potential decreases exponentially. We believe in providing great customer service. At the end of the day, we believe not only that great customer service creates great success, but we are also honored to represent the companies with whom we work.
Live the “Circle of Success”
Successful organizations do this, but haven’t necessarily given a name to it. For Cal Coast Credit Service, it’s an intricate process and is the foundation for all we do. First we set clear expectations, then we measure progress. After that we make one person individually accountable. Finally we reward and recognize results.
Do the Right Thing
Credibility is not created overnight. It’s built over time by forging relationships that emphasize doing what is right and doing it with integrity. Our team always takes the necessary steps to do the right thing.
Relentless Pursuit of Excellence
At CCCS, we can always do better. It’s that simple. You’ll never find us resting on the laurels of our past work. Instead, you’ll see us brainstorming new ways to streamline service and enhance the customer experience.
FAQ
What can a debtor do to get out of overwhelming financial stress?
The first thing a debtor can do is pull a credit report to access the situation. There are a number of consolidation agencies that can help to put a plan together, along with education on budgeting. By reducing the minimum payment amounts on the overdue credit accounts, lowering the interest rates, avoiding late fees, and making one payment per month, a debtor can pay off debts over a period of years. These programs may also place the debtor’s credit on hold, not allowing any more credit to be extended, while the debtor completes the payment plan.
How does CCCS work with debtors?
Consistent respect plays a huge role in helping debtors pay off their overdue accounts. Personal phone calls, with direct person-to-person interfacing, allows the debtor to make payment arrangements in a timely fashion, and protect their credit rating along the way. CCCS does not use automated phone calling with digital voices. Firm and professional communication gets most accounts paid in full.
CCCS works to resolve the accounts, and not with intimidation or demand. Instead, firm and compassionate, CCCS professionally trained collectors, use their sophisticated methodology and professionalism to accomplish the process. CCCS allows the opportunity for debtors to make payment arrangements, with their chosen date to process payments.
CCCS helps debtors by providing tools and guidance for the betterment of the credit industry.
What happens if a debtor refuses to work with the process?
CCCS will locate and evaluate their assets. If found, they can garnish wages, litigate, proceed and collect through legal avenues, even Superior Court.
What does skiptracing mean?
Skiptracing is the process of locating a person's whereabouts for any number of purposes. A skiptracer is someone who performs this task, which may be the person's primary occupation. The term "skip" (as a noun) refers to the person being searched for, and is derived from the idiomatic expression "to skip town," meaning to depart (perhaps in a rush), leaving minimal clues behind to "trace" the "skip" to a new location.
Skiptracing tactics may be employed by a debt collector, process server, bail bondsman, or bail agency enforcer (bounty hunter), repossession agent, private investigator, lawyer, police detective, journalist, or by any person attempting to locate a subject whose contact information is not immediately known.
What methods are used in skiptracing?
Skiptracing is performed by collecting as much information as possible about the subject. The information is then analyzed, reduced, and verified. Sometimes the subject's current whereabouts are in the data, but are obfuscated by the sheer amount of information or disinformation. Often, the job becomes more than mere research since one must often employ methods of social engineering, which involves calling former employers, family members, neighbors, or other known contacts to ask about the subject, sometimes under false or misleading pretenses.
Records that skiptracers use may include phone number databases, credit reports (including information provided on a loan application, credit card application, and in other debt collector databases), job application information, criminal background checks, utility bills (electricity, gas, water, sewage, phone, internet, and cable), Social Security, disability, and public tax information. While some of these records may be publicly available, some cannot be accessed without an appropriate licenses and subscription databases.
Even when no specific information is returned, public and private databases exist that cross-reference skiptracing information with other databases.
What exactly does a collection agency do?
A collection agency, also known as a debt collector, is a business or other entity that specializes in debt collection, i.e. pursues payments of debts owed by individuals or businesses. Cal Coast Credit Service operates as agents of creditors and collects debts for a fee or percentage of the total amount owed.
How should debtors be treated?
CCCS developed WinResolution to truly help those needing to get back on their feet after hardship. Sometimes it’s about educating them on a viable budget, a payment plan, and being consistent with payment promises. This in itself, helps the debtor gain confidence.
How is the financial information protected?
CCCS has a full offsite backup and remote access facility.
CCCS is protected for DISASTER PREPAREDNESS with cloud storage in another region of the state.
Meet The Team
MATTHEW BERTO
PRESIDENT
Matt Berto, President, has been with CCCS since 1981. Matt currently oversees the CCCS operations as general manager. Matt has gained a diverse understanding of collection agencies and their operations through his involvement in agency purchases and acquisitions. Further experience has been obtained as branch manager, systems coordinator, and special projects coordinator. Matt has served numerous terms and chairs for the California Association of Collectors.
DAVID F. BERTO
Founder
David Berto, founded Cal Coast Credit in 1963. David has served as National Director of the American Collectors Association and President of the California Association of Collectors. Additionally, he has served on the Santa Rosa City Council for 12 years and once served in the position of Mayor.