Early-Out & Self-PayRevenue Recovery Excellence Since 1996
Proudly Headquartered in Las Vegas, Nevada
From early-out and self-pay programs to third-party bad debt recovery — delivering superior results through cutting-edge AI technology, compassionate communication, and unwavering compliance.
29
Years Experience
50
States Licensed
375+
Team Members
24/7
AI Support
A Legacy of Excellence Since 1996
Aargon Agency, Inc. is a full-service accounts receivable management company headquartered in Las Vegas, Nevada. For nearly three decades, we have provided premier collection services across healthcare, utilities, government, auto finance, consumer lending, education, telecommunications, and commercial industries.
Our mission is simple: deliver the highest quality reimbursement services using cutting-edge technology while treating every consumer with dignity and respect.
"Every person we contact is someone's family member. We treat them with the same respect we would want for our own."
— Aargon Agency Core Principle
29
Years in Business
Established 1996
50
States Licensed
Plus Washington DC
375+
Team Members
Across 7 locations
98%
Client Retention
Long-term partnerships
500+
Active Clients
Across all industries
$500M+
Annual Recoveries
Returned to clients
Our Journey
1996
Founded in Las Vegas
2000
Healthcare expansion
2008
TRACE platform launch
2015
SOC 2 certification
2020
Lexi AI introduced
2024
375+ employees
We Do It All
From healthcare to auto finance, utilities to education — Aargon and our sister company Total Credit Recovery cover the full revenue cycle, from early-out and self-pay programs through third-party bad debt recovery.
Healthcare
Hospital & Health Systems
Emergency Medical Services
EMS & Ambulance Billing
Utility
Electric, Gas, Water & Sewer
Government & Municipal
City, County & State
Auto Finance
Auto Loans & Leases
Consumer Finance
Credit Cards & Personal Loans
Education
Student Accounts & Tuition
Financial Services
Banks & Credit Unions
Property Management
Rental & HOA Collections
Retail & Commercial
B2B & B2C Collections
Professional Services
Legal, Medical & Consulting
Telecommunications
Wireless, Cable & Internet
One partner for every stage — early-out, self-pay, and bad debt recovery customized for any receivables challenge.
Who is TCR?
Incorporated in 1996, Aargon Agency, Inc. began with a vision to provide superior third-party collections utilizing cutting-edge technology.
Total Credit Recovery (TCR) was established in 2001 with a clear mission: to provide the highest quality of EOB, early-out, and self-pay services to each of our clients in a professional and innovative manner.
Privately Owned
Over 3 offices throughout the US and beyond
98% Healthcare
Client base is national healthcare organizations
Tech-Enabled
Innovative, technology-driven recovery solutions
50 States
Certified to operate nationwide since 2005
The History of Total Credit Recovery
Aargon incorporated, begins 3rd party & early-out services
TRACE application created to support early-out customers
Early-out services split; Total Credit Recovery Inc. created
TCR obtains certificates to operate in all 50 states
Recognized Best in KLAS; signs Universal Health Services
Signs Inova Health; invests in process automation
Premier Early Out Solutions
TCR is one of the nation's premier Early Out service providers, specializing in EOB, early-out, and self-pay services that protect your brand and your patient relationships.
CBO Call Center Support
Centralized business office support with live representatives extending your billing team.
TSP Collection Strategy
Tailored self-pay collection strategies designed around each client's cadence and goals.
BAI Follow-Up
Balance-after-insurance follow-up to resolve remaining patient responsibility quickly.
Statements & Outbound Campaigns
Billing statements, reminders, and outbound call campaigns to maximize resolution.
Agnostic Tech & EMR Integration
System-agnostic technology services with complete API and EMR integration, including EPIC.
Integrated & Optimized Workflow Solutions
Account Balance & Revenue Recovery
Identifies accounts that charged off with a zero balance and recovers revenue.
Revenue Forecasting
Determines expected reimbursement using proprietary software and machine learning.
Telecommunications Software
AI-driven outreach via phone and text with metrics that solidify workflow.
Workflow Management
TCR workflow team identifies and focuses on patient resolutions.
Business Intelligence
Customized KPIs that showcase your rate of recovery at your cadence.
Live reps 8am–9pm in all US time zones
24/7 online account information
100% of calls recorded for quality
Why Total Credit Recovery?
Proven top early-out agency with similar medical clients on all placement levels
Experience with EPIC system, PB roll-ups, and PBHAR account dynamics
Multiple-call-center strategy for longer hours of live CSR coverage
Call monitoring and patient surveys on every call
In-house IT staff to support customized software and dialer
Customized reporting based on any specs or data requested — at no additional cost
Dedicated point of contact with an alternate for superior customer service
Assisting your IT department in file transfer protocols and any other needs
Customer Service Philosophy
How TCR's extended billing office operates on your behalf
Empathy
Understanding patient financial situations.
Know Your Clients
A culture committed to improving patient satisfaction.
Building Rapport
Reputations built through positive patient and client relations.
Communication is Key
Open communication creates better, tailored work strategies.
Strive for Excellence
Going above and beyond to minimize patient complaints.
Revenue Recovery & Patient Financial Experience Transformation
Beyond traditional collections — we deliver enterprise-level revenue cycle transformation through innovative thinking, operational excellence, and technology-enabled performance.
$500M+
Annual Recoveries
10M+
Accounts Managed Annually
99%
Client Satisfaction
15%+
Average Recovery Rate
Enterprise Revenue Recovery Strategy
Holistic approach to maximizing revenue across the entire revenue cycle continuum, from early out to bad debt recovery with strategic placement optimization.
Patient Financial Engagement Evolution
Modern, empathetic consumer engagement strategies that prioritize patient experience while maximizing collections through preferred communication channels.
Self-Pay Transformation
Revolutionary approaches to self-pay management including propensity-to-pay scoring, payment plan optimization, and financial assistance program integration.
Denials & Appeals Optimization
Comprehensive denials management strategies to recover revenue lost to claim denials through expert appeals processes and root cause analysis.
Workforce Scalability
Flexible operational models combining onshore, nearshore, and offshore resources to provide 24/7 coverage with bilingual support and cost efficiency.
Vendor Integration Models
Seamless integration with existing revenue cycle systems, EMRs, and practice management platforms through modern APIs and secure data exchange.
Technology-Enabled Performance
AI-powered collections, predictive analytics, and automation that drive higher recovery rates while reducing operational costs and improving compliance.
Financial Sustainability
Long-term partnership approach focused on sustainable revenue recovery that supports overall organizational financial health and strategic goals.
"We don't just collect debt — we transform how organizations think about revenue recovery and patient financial engagement."
Comprehensive Revenue Recovery Services
From initial consumer contact to final resolution, we provide end-to-end collection services powered by proprietary technology and delivered with a consumer-first philosophy that protects your brand.
First Party Collections
Early-out services under your brand, maintaining customer relationships.
Third Party Collections
Full-service bad debt recovery across all industries.
AI-Powered Collections
Lexi AI handles 24/7 inquiries in English and Spanish.
Skip Tracing & Locate
Multi-vendor skip tracing to find and update contacts.
Multi-Channel Outreach
Phone, SMS, email, web portal, and mail outreach.
Payment Processing
PCI-compliant gateway with flexible payment options.
Real-Time Reporting
Custom dashboards and on-demand analytics.
Compliance Management
Full FDCPA, HIPAA, TCPA, CFPB compliance.
Our Collection Process
Account Intake
Validation & setup
First Contact
Letter sent
Call Campaign
Daily attempts
Escalation
Second notice
Skip Trace
Locate efforts
Advanced
Credit/Legal
Need earlier intervention? Our sister company Total Credit Recovery extends this with dedicated early-out and self-pay programs — covering the entire revenue cycle with customizable workflows.
Technology-Enabled Performance
Our proprietary technology stack combines AI, machine learning, and automation to deliver superior recovery rates while maintaining compliance.
TRACE Platform
Proprietary CRM & Collections Management
- Real-time account management dashboard
- Automated workflow orchestration
- Custom business rules engine
Lexi AI Assistant
24/7 Conversational AI
- Natural language processing
- Balance inquiries & payment processing
- Dispute submission handling
Predictive Analytics
Machine Learning Intelligence
- Propensity-to-pay scoring
- Optimal contact time prediction
- Collection outcome forecasting
Skip Tracing Suite
Multi-Vendor Locate Services
- LexisNexis integration
- TLO & Clear connectivity
- Experian data access
Integration Capabilities
EMR/EHR Integration
Multi-Channel Engagement
Payment Gateway
Real-Time Reporting
IVR System
Document Management
Workforce Scalability & Excellence
Strategic multi-site operations combining the best of onshore quality with nearshore efficiency — delivering superior results at competitive costs.
375+
Total Workforce
24/7
Coverage Available
2
Languages (EN/ES)
7
Strategic Locations
Strategic Locations
Las Vegas, Nevada
Corporate Headquarters
Vacaville, California
West Coast Operations
Fort Lauderdale, Florida
East Coast Operations
Indianapolis, Indiana
Midwest Operations
Honolulu, Hawaii
Pacific Operations
Tijuana, Mexico
Nearshore Operations
Rosarito, Mexico
Nearshore Operations
Operational Advantages
Cost Efficiency
Extended Coverage
Bilingual Excellence
Operational Transparency
Scalability On Demand
Quality Assurance
Enterprise-Grade Protection
Your data and reputation are protected by industry-leading security measures, comprehensive compliance programs, and continuous monitoring validated by independent audits.
Certifications & Compliance
SOC 2 Type II
Annual security audit verifying controls for data security, availability, and confidentiality
PCI DSS Level 1
Highest level of payment card industry compliance for secure credit card processing
HIPAA
Full compliance with healthcare privacy regulations including Business Associate Agreements
FDCPA
Strict adherence to Fair Debt Collection Practices Act requirements and consumer rights
TCPA
Telephone Consumer Protection Act compliance for all outbound calling activities
CFPB Regulation F
Full compliance with Consumer Financial Protection Bureau debt collection rules
Compliance By The Numbers
<1%
Consumer Complaint Rate
Industry-leading low complaint rates
100%
Calls Recorded
Complete audit trail for every interaction
0
Regulatory Actions
Clean compliance record since 1996
Monthly
Compliance Training
Continuous staff education
Comprehensive Security Features
Performance That Speaks for Itself
Our data-driven approach and technology-enabled operations consistently deliver recovery rates 40-50% above industry benchmarks.
15-25%
Average Recovery Rate
<30 Days
First Payment Average
$500M+
Annual Recoveries
99%
SLA Compliance
<1%
Complaint Rate
10M+
Accounts Processed
Aargon vs. Industry Benchmarks
| Industry | Aargon Rate | Industry Avg | Improvement |
|---|---|---|---|
| Healthcare - Hospital | 18-22% | 12-15% | +45% |
| Healthcare - EMS | 20-25% | 14-18% | +40% |
| Utility | 15-20% | 10-14% | +45% |
| Government/Municipal | 12-18% | 8-12% | +50% |
| Auto Finance | 18-24% | 13-17% | +40% |
| Consumer Finance | 14-20% | 10-14% | +42% |
The Aargon Advantage
No Upfront Costs
Contingency-based pricing means you only pay when we collect
Transparent Reporting
Real-time dashboards and detailed monthly performance reports
Flexible Terms
Customizable fee structures based on account type and volume
Risk-Free Partnership
Easy transition and no long-term commitments required
Trusted by Industry Leaders
From major health systems to municipal governments, organizations trust Aargon for their most critical revenue recovery needs. Our 98% client retention rate speaks to the value we deliver.
98%
Client Retention Rate
15+
Years Average Partnership
500+
Active Client Relationships
4.9/5
Client Satisfaction Score
What Our Clients Say
Aargon has been our collections partner for over 15 years. Their recovery rates consistently exceed our expectations, and their compliance record is impeccable.
VP of Revenue Cycle
Major Health System
The transition to Aargon was seamless. Their technology integration with our systems was completed in days, not months. The real-time reporting is exactly what we needed.
Director of Finance
Regional Medical Center
What sets Aargon apart is their patient-first approach. Our customer satisfaction scores actually improved after bringing them on as our collection partner.
CFO
Multi-State Utility Provider
Aargon's bilingual support has been invaluable for our diverse patient population. Recovery rates increased 20% in our first year working together.
Revenue Cycle Manager
Community Hospital
Their AI assistant Lexi handles thousands of calls per month for us, freeing up staff for complex cases. The ROI has been remarkable.
Operations Director
EMS Provider
We evaluated several agencies before selecting Aargon. Their technology platform and compliance infrastructure were clearly best-in-class.
Controller
Municipal Government
Organizations We Serve
Live in 7 Days or Less
Our streamlined onboarding process gets you from contract to live collections in as little as one week — without sacrificing quality or compliance.
Discovery & Planning
Initial consultation, requirements gathering, and custom implementation plan development
- Client needs assessment
- Data mapping and field analysis
- Workflow customization planning
- Integration requirements review
- Compliance documentation
Technical Setup
System configuration, data integration setup, and secure file transfer establishment
- SFTP connection establishment
- Data file format configuration
- TRACE platform customization
- Reporting template setup
- User access provisioning
Testing & Validation
End-to-end testing, data validation, and workflow verification before go-live
- Test file transmission
- Data integrity verification
- Workflow testing
- Payment processing validation
- Reporting accuracy check
Go-Live & Support
Production launch with dedicated support team and continuous optimization
- Production file placement
- Live monitoring initiation
- Dedicated account manager
- Performance optimization
- Ongoing partnership support
What You Get With Aargon
7-Day Implementation
Average time from contract to first placement — one of the fastest in the industry
Dedicated Team
Named account manager, implementation specialist, and compliance liaison assigned
Custom Documentation
Tailored SOPs, scripts, and compliance documentation specific to your requirements
24/7 Support
Round-the-clock technical support and escalation paths for critical issues
Flexible Integration
Support for any data format, custom fields, and existing system connections
Performance Guarantee
Committed recovery benchmarks with transparent performance tracking
Technology Meets Compassion
We combine cutting-edge AI technology with a patient-first philosophy to deliver industry-leading results while maintaining the highest standards of compliance and respect.
TRACE Platform
Our proprietary collections management system and CRM platform, designed specifically for healthcare and utility collections with real-time account management and automated workflows.
Lexi AI Assistant
24/7 conversational AI that handles balance inquiries, payment processing, dispute submissions, and callback requests in both English and Spanish.
Predictive Analytics
Machine learning algorithms that analyze consumer behavior patterns to optimize contact strategies and predict recovery outcomes.
Advanced Skip Tracing
Multi-vendor skip tracing integration with LexisNexis, TLO, Clear, and Experian for comprehensive consumer locate capabilities.
The Aargon Difference
Technology-Based Solution
Our program uses proprietary automation that allows clients the benefit of reviewing real-time data and performance metrics.
Machine Learning Integration
Our system continually learns from consumer reimbursement behaviors and anticipates future trends.
Data Visualization
Unique reporting format to quickly identify consumer patterns and workflow enhancement opportunities.
Real-Time Information
The only solution providing real-time data on reimbursement timeframes to our clients.
Enterprise-Grade Security
Your data is protected by industry-leading security measures, validated by independent audits and continuous monitoring.
Executive Team
Our leadership team brings decades of combined experience in healthcare revenue recovery, technology, and operations management.
Duane Christy
CEO / President
Former UMC Nevada executive with 30+ years healthcare experience. Founded Aargon with a vision to improve how healthcare organizations recover outstanding balances while maintaining patient dignity.
Miguel Alvarez
Chief Operating Officer
Operations leadership across 7 call centers nationwide. Oversees day-to-day operations ensuring consistent performance and compliance across all locations.
Adam Zerbe
Chief Technology Officer
CISSP, CEH certified. Risk management and data security specialist driving innovation in AI-powered collection technology and enterprise security.
Partner With Excellence
When you choose Aargon, you get more than a collection agency—you gain a committed partner dedicated to protecting your reputation while maximizing your revenue recovery across the entire cycle, from early-out and self-pay through bad debt.
99%
Satisfaction Rate
<1%
Complaint Rate
15%
Primary Recovery
7
Day Implementation
Patient-First Philosophy
Compassionate communication with calm, professional tone in every interaction. We treat every person with the respect and dignity they deserve.
Proven Results
98% client retention rate with industry-leading recovery performance. 15% recovery on primary placements, far exceeding industry averages.
Compliance Excellence
Full FDCPA, HIPAA, TCPA, 42 CFR Part 2, and state-specific compliance. Less than 1% complaint rate with rapid dispute resolution.
24/7 AI-Powered Support
Lexi AI provides round-the-clock bilingual support for payments, balance inquiries, and dispute submissions—never miss a recovery opportunity.
Dedicated Team
150+ trained professionals across multiple US call centers with 30% bilingual staff serving diverse communities nationwide.
Nationwide Coverage
Licensed in all 50 states with proactive license renewal management and regulatory change monitoring for seamless compliance.
Industry Recognition
ACA International member, SOC 2 Type II certified, PCI DSS Level 1 compliant—independent verification of our security and ethical standards.
Local Expertise
Nevada-founded and headquartered since 1996, with deep understanding of regional regulations and community values.
Our Unique Value Proposition
Experienced People + World-Class Technology = Unmatched Results
Let's Start a Conversation
Ready to improve your revenue recovery? Contact our team today to learn how Aargon can help maximize your collections.
Call Us
(800) 326-7118
Toll-free nationwide
Email Us
Duane Christy
Duane@Aargon.com
Chief Executive Officer
Phone: (702) 303-7334
Hours
Mon-Fri: 8AM EST - 5PM HST
AI Support: 24/7/365
Our Locations
© 2026 Aargon Agency, Inc. All rights reserved. | Licensed in all 50 states