Debt Collections

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Debt Collections

If you are a consumer, please visit our consumer resource site for collections.

Instead of taking write-offs, make the right decision. Partner with Sarma to collect on past due accounts. Our customized services have been helping financial institutions, health care organizations, municipalities, real estate, retail, telecommunications and utilities increase their bottom line for over 50 years.

Need some assistance? Here are the most comman questions:

Are you a consumer? Visit our consumer resources site at

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Headquartered in San Antonio, Texas Sarma offers: Early-Out and bad debt collection for local and national customers, a simple onboarding process guided by your personal, dedicated representative, the latest dialing technology, a courteous, bilingual, professional staff and more. All backed by superior customer service. Profit from our knowledge.

  • Bad Debt Collections
  • Early Out Services
  • Billing System Access
  • Collector Training

Sarma Collections Inc. has a broad range of products and services to assist in maximizing recovery from delinquent accounts resulting in rapid cash flow for our clients since 1956. Our primary services include pre-collect, bad debt collections, payment monitoring and insurance re-billing services. Each service is offered independently or in conjunction with other services available. All of our services can be customized to meet our clients specific needs.

Don't spend your valuable time pursuing non-paying customers.


  • Nationally Licensed
  • A+ Better Business Bureau rating
  • Member of American Collectors Association (ACA)
  • ACA trained and compliant in Fair Debt Collection Practices Act, Fair Credit Reporting Act, Fair and Accurate Credit Transactions Act, Health Insurance Portability and Accountability Act (HIPAA)

Sarma Collections Inc. is a member of the ACA International, the Healthcare Services Program of American Collectors Association International, CDIA, Healthcare Financial Management Association and the American Association of Healthcare Account Managers. We feel it is critical to our success to be active participants in many organizations that relate to our business.