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Performant Recovery

Diversified Collection Services, also known as Performant Recovery, is headquartered in Livermore, California, and specializes in collecting student loans and delinquent income taxes for both federal and state governments. Performant Recovery is part of Performant Financial Corp. (NASDAQ: PFMT), a publicly traded company. Diversified Collection Service (now Performant Recovery) also collects non-tax debt for federal and state governments. Performant Recovery also specializes in identifying healthcare-related overpayments and clawing back that money.

Diversified Collections (Performant Recovery) appears to employ over 750 staff members and has state-of-the art technology that enables collectors from Diversified Collection Services Inc. to use a sales-oriented approach with consumers. Diversified Collections Services operates call centers in Lathrop, CA; Grants Pass, OR; Miami Lakes, FL; and San Angelo, TX.

Diversified Collection Services (Performant Recovery) Complaints

With over 30 years in the business, you would expect that Diversified Collection Services (Performant Recovery) would fully understand what they can do and cannot do to legally collect debts. However, there has been a spate of Performant Reocvery complaints filed with the Better Business Bureau. As of March 2013, there were 371 closed Diversified Collection Services complaints (now Performant Recovery complaints) closed within the past three years, including 143 closed within the past 12 months. Nonetheless, the BBB gave Performant Recovery, Inc. an A+ rating.

DCS Collection (now Performant Recovery) has also seen its share of action in federal courts. In the first four months of 2013, there were an astonishing 47 lawsuits filed against Diversified Collection and Performant Recovery for alleged violations of the Fair Debt Collection Practices Act.

Stop Diversified Collection Services Calls

If you have been contacted by a Diversified Collection Services or Performant Recovery collector, it’s likely because you are behind on student loan repayments. It’s possible that the collector wanted to set up an unacceptable payment plan and perhaps even threatened to intercept your income tax refund if you didn’t comply. If that scenario sounds familiar, then you need to read on.
Student loans that are guaranteed by a government entity have a different set of rules concerning debt collection than the typical credit card debt. For starters, your income tax refund can be intercepted to pay off a government debt. The way to avoid that is to request a repayment plan that you can afford. This may not sit well with the Performant Recovery agent, but the Department of Education requires that all repayment plans must be individually negotiated and that there can be no set minimums. In other words, despite what a Performant Recovery collector says, you don’t have to pay $50 per month. If you can prove that your expenses are nearly equal to your income, you can get a repayment plan of as little as $5 a month.

If the Diversified Collection Services or Performant Recovery agent argues that point, then ask to speak to a supervisor. If that doesn’t work, then contact the agency that guaranteed the loan. If you are making payments through a negotiated payment plan, the IRS will not divert your refund. But remember this: A negotiated repayment plan is a one-time shot. If you default on that, you may find your income tax refund withheld and your wages garnished. That’s why it’s crucial to negotiate a payment plan that you can afford.

Performant Recovery Address

Performant Recovery
333 North Canyons Parkway, Suite 100

Livermore, CA 94551

Diversified Collections Phone Number: 866-257-3596


3 thoughts on “Performant Recovery
  1. Student loans were handed to this creditor, which made a series of unauthorized HARD inquiries to my credit report.

    They used information obtained from that credit report to harass my friends, neighbors, and family.

    Absolutley no morals and they border on illegal behavior.

  2. performant recovery has been incredibly neglecting my payments. I even tried to send a payment in full and it is still lost, not recorded, and they refuse to follow up or contact anyone. Their comment is always well it must be in the system in the federal office. Such addresses are confusing on their letter head. They alway say to send the payment to the above address. Both federal and their CA. addresses are above. Which one to send to?

    I have been threatened and have had such a negative burden with them. I have made payments and never missed. For 3 weeks now I should have been cleared. No nothing exists. I want to call the federal office but no one will give me a number. How can you help?

  3. i just got a new job and performant recover keep calling me my boss say if they call one more time i will get written up i had a student loan for a school thats not even a credited and the school got shut down because of all the frauds that been going on. please tell me you can help me

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