Nearshore BPO · Collections & receivables
Collections and customer operations, run by a dedicated team inside your systems.
TEKS Solutions staffs first-party collections, accounts receivable follow-up, customer service and verification programs for automotive finance companies, BHPH dealers and growing businesses — bilingual agents in Monterrey, Mexico, managed from Arlington, Texas, working under your name and to Regulation F standards.
- Dedicated agents, never a shared pool
- English and Spanish
- U.S.-aligned hours (Central time)
- Month-to-month engagements available
A typical program
- Coverage
- U.S. business hours, Central time
- Channels
- Voice, SMS and email
- Systems
- Your CRM, DMS or loan-servicing platform
- Standard
- Regulation F call-frequency and time-of-day rules
Trusted by finance and dealership operations
Supporting dealerships and finance organizations across the United States, including Texas, Arizona, California, Florida, Pennsylvania, Alabama and other markets.
The operating environment
Delinquency is rising while collections labor stays scarce.
Every one of these numbers lands on a servicing floor as more outbound attempts, more promise-to-pay tracking and more documentation. A dedicated team absorbs that volume without adding headcount or recruiting in a tight labor market.
5.49%
Source 1of U.S. auto loan balances were 90+ days delinquent
2026 Q2 · Federal Reserve Bank of New York · Checked 2026-09-14
3.00%
Source 2of auto balances newly entered serious delinquency
2026 Q2 · Federal Reserve Bank of New York · Checked 2026-09-14
16.1%
Source 3of new auto loan volume went to borrowers under 620
2026 Q2 · Federal Reserve Bank of New York · Checked 2026-09-14
$47,030
Source 4median annual wage of a U.S. bill and account collector
May 2025 · U.S. Bureau of Labor Statistics · Checked 2026-09-14
- 1, 2, 3.Federal Reserve Bank of New York, Quarterly Report on Household Debt and Credit, 2026 Q2. Checked 2026-09-14.
- 4.U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics, May 2025. Checked 2026-09-14.
Solutions
Six service lines. One dedicated-team model.
Each program is staffed with agents assigned to your operation and trained on your systems and procedures — starting with the receivables work that carries the most risk.
- Core
First-Party Collections Support
Dedicated first-party teams that work your delinquent and past-due accounts inside your systems — payment outreach, promise-to-pay tracking and documentation, run to Regulation F standards.
- Collections & accounts receivable support
- Accounts receivable follow-up
- Payment reminder services
Customer Service & Contact Center Outsourcing
Bilingual inbound and outbound customer support that represents your brand with consistency and care.
- Inbound customer support
- Outbound customer outreach
- Bilingual English/Spanish support
Insurance Verification & Tracking Support
Policy verification, coverage confirmation, and insurance tracking workflow support for lenders and dealerships.
- Outsourced insurance verification
- Insurance tracking support
- Automotive insurance verification
Underwriting & Applicant Verification Support
Applicant information verification and follow-up to support your credit decision workflow.
- Loan applicant verification
- Employment and information verification support
- Outsourced underwriting support
Virtual Assistant & Administrative Support
Bilingual virtual assistants for calls, scheduling, follow-up, and day-to-day administrative workflows.
- Virtual assistant outsourcing
- Administrative outsourcing
- Appointment scheduling services
Outsourced Bookkeeping & Accounting Support
Bookkeeping support for income and expense records, invoices, transactions, and business reporting.
- Outsourced bookkeeping services
- Virtual bookkeeping support
- Accounts payable support
How it works
First-party by design: your name, your systems, your rules.
TEKS agents do not take placements in their own name. They work as an extension of your team — logged into the platforms you authorize, following the scripts and policies you approve, with every note and outcome documented where your managers already look.
Step 1
Your operation
- CRM / DMS / loan servicing
- Scripts and policies
- Escalation paths
Step 2
TEKS dedicated team
- Agents assigned to you
- Bilingual, U.S.-aligned hours
- QA against your standards
Step 3
Your customers
- Hear your company name
- Voice, SMS and email
- Every contact documented
- 01In your name
- Customers hear your company, not a third party. The relationship, the account and the creditor status stay with you.
- 02In your systems
- Agents work inside your CRM, DMS or loan-servicing platform. No parallel database, no export, no reconciliation.
- 03To your policies
- Scripts, payment arrangements, escalation paths and compliance rules are yours. We train to them and audit against them.
- 04Reported to your managers
- Activity, promises to pay and outcomes are visible in real time to the people who run your operation.
Whether an engagement is classified as first-party servicing or third-party collection under the FDCPA depends on how it is structured, and is determined with your counsel. TEKS runs every program to Regulation F standards regardless.
Industries
Built in automotive finance. Applied wherever receivables and customers meet.
Dedicated bilingual teams for buy-here-pay-here dealerships, independent dealers and automotive finance companies — portfolios where every day of delinquency has a cost and a customer conversation may be in English or Spanish. The same model serves lenders, servicers and businesses that need bilingual customer-facing and back-office capacity.
How the three programs differ in cadence, staffing and compliance posture is set out on the industries page.
First-Party BHPH Collections Support
First-party collections, insurance tracking and customer calls for buy-here-pay-here dealerships — dedicated bilingual teams working inside your DMS.
- Dedicated collectors working your aging buckets on your cadence and scripts
- Insurance verification and lapse chasing on every financed unit
- Inbound customer calls about balances, due dates and arrangements
Automotive Finance BPO
Verification, servicing support and first-party collections capacity for lenders and finance companies, staffed to your credit policy.
- Underwriting and applicant verification: employment, income, references, stipulations
- Insurance verification at funding and continuous lapse monitoring across the book
- First-party collections support on early and mid-stage delinquency
Auto Dealership Outsourcing
Bilingual customer communication, verification and follow-up for independent dealerships and dealer groups — inside your CRM or DMS.
- Inbound call answering and routing during your business hours, in English and Spanish
- Outbound lead follow-up on the cadence you set, logged in your CRM
- Appointment setting and confirmation for sales and service
Engagement process
From discovery to go-live, in six steps.
A structured onboarding, sized to your portfolio and systems access. Production typically begins about two weeks after onboarding and training, depending on scope and readiness.
- 1
Discovery
A call with your operations lead to understand workflows, volumes, systems and goals.
Day 1
- 2
Solution design
Staffing, hours of coverage, channels, scripts and responsibilities defined in writing.
Week 1
- 3
Proposal
A tailored proposal for the agreed scope. No published rate cards — pricing follows the design.
Week 1
- 4
Review
A walkthrough of the plan with your stakeholders; adjustments before anyone is assigned.
Week 1–2
- 5
Onboarding and training
Systems access, procedures, scripts and compliance rules configured; agents trained on your operation.
Week 2
- 6
Go-live
Production starts with daily check-ins through the first weeks, then a standing reporting cadence.
~2 weeks after onboarding
Nearshore, not offshore
Arlington, Texas and the Monterrey metropolitan area.
Operations in Guadalupe, Nuevo León — part of metropolitan Monterrey, two hours by air from Dallas — with a U.S. office in Arlington, Texas. The floor holds Central Standard Time all year, bilingual by default, and close enough for in-person visits.
- Central time, both sides
- The floor holds Central Standard Time all year, so it matches Texas exactly in winter and runs an hour behind in summer with the roster shifted to match. Escalations and coaching happen the same day either way.
- Bilingual by default
- Every program can run in English and Spanish without a separate team.
- A U.S. counterpart
- Account management and contracting through TEKS Solutions LLC in Arlington, Texas.
U.S. Office
700 Highlander Blvd, Suite 150
Arlington, TX 76015
United States
Operations Office
Azteca 301
Fraccionamiento Azteca
CP 67150
Guadalupe, Nuevo León
Mexico
Compliance and quality
Programs run to Regulation F standards, whatever the classification.
Regulation F binds debt collectors as the FDCPA defines them. Rather than argue about where a given engagement falls, TEKS runs every program to its operative standards and documents it.
- Call-frequency and time-of-day limits enforced in dialing rules, not left to agent memory
- Cease-communication and opt-out requests honored on receipt and logged in your system
- Call recording and QA scoring against your scripts and policies
- Every contact attempt, promise to pay and outcome documented in your platform
Standards every program is run to
- Call-frequency standard
A presumption of violation for placing more than seven telephone calls about a particular debt within seven consecutive days, or within seven days after a telephone conversation about it — counted per person and per debt.
12 CFR § 1006.14(b)(2)- Time-of-day windows
No contact before 8:00 a.m. or after 9:00 p.m. in the consumer's local time zone.
12 CFR § 1006.6(b)(1)(i)- Cease-communication requests
A written request to stop is honored on receipt, and every email or text carries a clear, simple opt-out.
12 CFR § 1006.6(c), (e)- Workplace and representation
No workplace contact where the employer prohibits it; no direct contact with a consumer known to be represented by counsel.
12 CFR § 1006.6(b)(2)–(3)
Consumer Financial Protection Bureau, Regulation F, 12 CFR Part 1006 (effective November 30, 2021). Summarized for orientation; it is not legal advice.
Leadership
Run by an operator, not a sales office.
Patricia Cerda leads TEKS Solutions after two decades running customer service, collections, recovery, insurance-verification and underwriting operations for dealerships and financial institutions. TEKS is built around the problem she kept seeing from the inside: servicing floors that could not hire fast enough for the work in front of them. She still leads client onboarding personally.
Patricia Cerda
CEO, TEKS Solutions LLC
- 20+ years operating inside dealerships and financial institutions
- Hands-on background in customer service, collections, recovery, insurance verification and underwriting
- Works the dealership and auto-finance lifecycle end to end, from funding to charge-off
Questions
Straight answers before the first call.
What operators ask when they evaluate a nearshore team. The same answers appear in the structured data on this page.
What is nearshore outsourcing?
What services does TEKS Solutions provide?
Does TEKS only work with automotive finance companies?
How quickly can an outsourced team launch?
Can outsourced teams work inside our existing systems?
What engagement models does TEKS offer?
Next step
Talk to TEKS about your portfolio.
Tell us about your workflow, coverage needs and systems. You will get a straight answer on fit and a tailored proposal — not a rate card.
We typically respond within one business hour during business hours.