UNSPSC 84101705: Repossession services

UNSPSC 84101705 Repossession services, a Commodity code, encompasses the collection and recovery of delinquent accounts through third-party vendors managing skip tracing, contact efforts, litigation support, and payment processing for municipal, county, and state agencies. State and local governments procure repossession and collection services primarily through Request for Proposal (RFP) and Request for Quotation (RFQ) vehicles, with issuing bodies including municipal finance and water/wastewater departments, county emergency services (fire rescue and EMS), state revenue and toll authorities, county tax assessors, school districts, and academic health centers. Recent solicitations show significant activity from Florida counties (Orange County, Broward County, Collier County), Texas municipalities and authorities (City of Midland, Harris County Toll Road Authority, UT Health San Antonio, Austin Community College, Texas Tech University Health Sciences Center), Georgia jurisdictions (Oconee County, Bibb County School District, City of Atlanta), Connecticut cities (City of Bridgeport, City of New Haven), and Washington State (Department of Revenue for unclaimed property recovery). The code spans a broad mix of account types: delinquent toll accounts, municipal court fines and fees, emergency medical transport charges, utility and water/wastewater bills, property tax liens, fire rescue and hazmat service fees, student loan defaults, unclaimed property, business license taxes, and healthcare patient bad debt.

Representative recent opportunities include the City of Bridgeport, Connecticut's solicitation (TCB004277) for delinquent municipal tax liens sales covering 463 properties totaling $1,359,084.74, with electronic submissions due July 29, 2026; Orange County, Florida's collection agency services for Fire Rescue (Y26-1020) with proposals due August 4, 2026, seeking contingency-based recovery across all 50 states and territories; the Harris County Toll Road Authority's delinquent toll account recovery RFP (RFP 260048) with proposals due March 16, 2026, requiring minimum five years' experience and $5 million annual recovery documentation; and Texas Tech University Health Sciences Center's collections services RFP (739SL3808100) with proposals due July 14, 2026, for medical practice income plan accounts averaging $1.41 million monthly placements. Compensation structures vary widely—contingency-based percentage of collections (common for toll, fire rescue, and healthcare debt), flat fees per account or action (tax liens, municipal court collections), and combined models mixing administrative fees with recovery contingencies (toll authorities). Recent solicitations increasingly mandate compliance certifications (SOC 2 Type II, PCI-DSS, HIPAA), bilingual staff capability in Spanish and English, performance bonds and insurance ($1 million to $10 million cyber liability for healthcare vendors), secure data handling with field-level encryption, and integration with issuing-body back-office systems. Geographic concentration is heaviest in Florida (Orange County, Broward County, Collier County, City of North Las Vegas utilities), Texas (Harris County, Austin, Midland, San Antonio, Texas Tech), Connecticut (Bridgeport, New Haven), and multi-state coverage increasingly required for toll, court, and tax recovery work; Illinois Department of Revenue currently holds renewal contracts with AllianceOne, Harris and Harris Ltd., Transworld Systems Inc., and Linebarger Goggan Blair and Sampson for state tax collection through June 30, 2028.