Accounts Receivable Services
for Healthcare, EMS, and Beyond

We recover balances for organizations across healthcare, emergency medical services, education, utilities, commercial enterprises,
credit unions, and many other industries. Whatever the sector, we carry the same approach into every conversation.

Established in Framingham, Massachusetts, in 1990, we work on a contingency basis, and every client is assigned a dedicated
client services representative who knows your accounts by name.

Our Services

Medical receivables are the heart of what we do, but our experience extends beyond healthcare. From patient balances and specialty billing to ambulance services and private education, we bring the same personalized attention, industry knowledge, and respect to every account we handle.

Business private

Patient Balances

When your statement cycle ends, we step in. Every balance receives individual attention from a representative who knows the account.

Business Pathology

Specialty Billing Balances

Pathology, radiology, and anesthesiology charges often arrive separately and catch patients by surprise. We help them understand what they owe and why.

FFR Business EMS

Ambulance and EMS Receivables

From insurance-adjudicated balances to patient responsibility, these accounts have their own rules. Our representatives are trained in every one of them.

Medical Billing

Tuition Receivables

We recover privately funded tuition for private schools and colleges, with the same respect we bring to every account. Federal student loans are not something we service.

Industries We Serve

The same care, compliance, and individual attention apply to every client, in healthcare and beyond.

Business Healthcare Providers
Medical Account icon

Healthcare Providers

Private practices and specialty groups across the country. Every placement begins with your written authorization, and the patient relationship stays with you from start to finish.

FFR Business EMS
EMS Icons

EMS and Ambulance Services

Municipal and private ambulance services across Massachusetts and nationwide. We are proud to maintain an active presence at both the Massachusetts Ambulance Association and the American Ambulance Association.

Medicall Billing
Medical Billing icon

Medical Billing Companies

We work as a downstream partner that fits within your existing process. Your client relationships remain yours: your client hears from us only with your agreement, reporting is prepared for you to share as it is, and any account can be recalled with a simple written instruction.

Other Clients That We Serve

Our approach is not limited to healthcare.

Educational Institutions

We support private schools and colleges by recovering privately funded tuition receivables. Students and their families are treated with the same respect as every consumer we speak with, and your institution keeps the relationship throughout. Please note that we do not service federal student loans.

Commercial Enterprises

From professional services to local businesses, we help commercial clients recover unpaid accounts without compromising the relationships they have worked hard to build. Our representatives bring the same professionalism to a business balance as to any other.

Utilities

We recover outstanding balances for utility providers while protecting the relationship you have with the households and businesses you serve. Every customer is treated with respect, and every account is handled by a named representative who knows the account.

Credit Unions

We understand that your members are the heart of your institution. We recover outstanding balances with the care and discretion that relationship deserves, so members feel respected throughout and your reputation in the community stays intact.

Other Industries

If your organization is not listed here, we would still like to hear from you. We work with clients across many industries, and our approach stays the same: respectful, compliant, and personal. Get in touch and we will talk through how we can help.

FFR Award Recognisation

Recognized By

CFO Tech Outlook named First Financial Resources a Top AR Services Provider in 2024. And we are members of ACA International, HBMA, AAA.

How We Work

Our representatives act as an extension of your organization. Each client has a dedicated client services representative responsible for the relationship, the placement file, and reporting. Each consumer has a single point of contact for the life of the account.

Placement by written authorization, with account data transmitted securely.

Written notice to the consumer, in line with federal and state requirements, before any call is placed.

Contact by certified representatives, with circumstances and preferences recorded and honored.

Resolution by payment in full or a documented arrangement. Disputes and verification requests are handled in writing.

About Step5

Monthly reporting to you, with accounts recalled on written instruction.

Fees are contingent on recovery, with one flat rate for collections. No setup fee.

Framingham, Massachusetts, and Nationwide

We operate from 492 Old Connecticut Path, Suite 101, Framingham, Massachusetts, and are licensed in the jurisdictions listed on our disclosures page. Massachusetts clients are welcome to request an on-site consultation, and clients in other states receive the same dedicated support from our services team, wherever you are located.

Frequently Asked Questions

Considering placing accounts with us? These are the questions we hear most, with clear answers to help you decide.

What are accounts receivable services?

Accounts receivable services convert balances owed into balances paid. Billing companies handle the front of the revenue cycle: coding, claims. We handle the final stage, the accounts that have been billed and followed up and still remain unresolved. We take those on a contingency basis and pursue resolution through compliant, documented contact with the responsible party.

We work with clients across healthcare, EMS, medical billing, education, utilities, commercial enterprises, credit unions, and many other industries. Whatever your sector, we are happy to talk through how we can help.

As early as possible. There is no minimum age for placement, so you can send accounts to us whenever you are ready, in batches or one at a time. We are happy to review your aging report with you to identify which accounts are worth placing.

You pay a percentage of what we recover for you, and nothing on what we do not. We charge one flat rate for collections, agreed in writing before the first placement.

Request a consultation

Ready to discuss your receivables? Submit the form, or call 508-231-9303 and ask for the client services team.
We’ll take it from there.