We continue to grow in the debt collection industry when we help others grow and develop. The cycle of growth and development has two parts. The first part is our own internal growth and development, and the second part is doing what we can to help our clients grow and develop. This can come into play in many different areas, from keeping our clients up to date on changes in debt collection industry laws and regulations, to constantly looking for ways to make your job easier. These two parts depend upon and support each other. We develop ourselves while we’re helping our clients. By helping our clients, we develop ourselves. It’s a growth cycle that spirals forever upward.

Our approach is to grow and keep up with change while taking exceptional care of our clients.




Business owner speaking to commercial collections collector.


HP Sears provides commercial collections in a variety of areas. These areas include agriculture, commercial property, business lending, purchase agreements, and lines of credit. As a result, we’ve built a highly experienced team capable of effectively collecting debt in any field. When you partner with HP Sears, you receive the following: customized status reports detailed […]

Person on computer looking for financial services debt collections.

Financial Institutions

When it comes to financial services debt collection, our process is customized from start to finish. We have experience working with banks, credit unions and non-bank lenders. Our experience includes with personal lines of credit, credit cards, and auto loans and many other loan types. Key features of financial services debt collections: Secure file transfers […]


The retail industry along with retail collections have evolved over the years, increased pressure for new customers and maintaining brand loyalty with existing customer is vital. The retail consumers have more choices for credit than ever before so it is of utmost importance for retail collections to be performed by a company that understands and […]

Medical professional holding ball for healthcare collection agency.


HP Sears has been a healthcare collection agency since 1928. Unlike the average healthcare collection agency, HP Sears takes a counseling approach with patients. Our approach not only reduces complaints but increases revenues. Our collectors work with your patient to help them understand their bills. In a spirit of cooperation, we review their charges and […]

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Client-Defined Success

Without a clear understanding of your definition of success, it is impossible to build a pro-active, responsive service around your needs and requirements. One of the most common issues our clients tell us they face with other agencies is that those agencies’ success factors are defined by the agency’s definition of success, not the client’s. That contradicts everything we believe in regarding what it means to be in a service business.

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True Stories

Fox Rent-A-Car has partnered with HP Sears since November 2016 to service our bad debt in all of our Locations within the United States and have received exceptional service and competitive consistent results