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TEKS Solutions

Coverage

One floor, one roster, fifty states.

TEKS serves U.S. operations nationwide from a single bilingual operations floor in the Monterrey metropolitan area, with contracting and account management through Arlington, Texas. There is no branch network — your program is staffed by a dedicated team that knows your portfolio, wherever your customers are.

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How national coverage works

Distance is not the variable. Overlap is.

A collections or customer-service program does not need an office near your customers. It needs agents who are awake when your customers are, who can be reached by your managers the same afternoon, and who work inside the system your operation already runs on. A branch in a distant city delivers none of those things; a dedicated team on an aligned clock delivers all three.

The Monterrey metropolitan area holds Central Standard Time all year: Mexico ended seasonal clock changes in 2022 and kept the exception only for border municipalities, which Guadalupe is not. From November to March the floor and Texas keep the same clock exactly; from March to November the floor runs an hour behind U.S. Central, and rosters move forward to match. Coverage is scheduled against your clock either way, so nothing about your working day changes in March. The floor is roughly two hours by air from Dallas–Fort Worth, which puts it inside the working day of every U.S. time zone, close enough for onboarding visits, and in the same bilingual labor market that makes English and Spanish delivery standard rather than a premium.

What does vary by geography is law. Statutes of limitation, wage-garnishment posture, repossession notice requirements and — most importantly for first-party work — whether a state’s debt collection act reaches original creditors all differ state to state. Teams assigned to a portfolio are briefed on the applicable state rules before taking a call, and the collections support program is run to Regulation F operating standards everywhere regardless of classification.

Time zones

Scheduled to your customers' clock, not ours.

Contact windows follow the consumer's local time in every program — the Regulation F standard, and the only version that makes operational sense.

  • Eastern

    1 hour ahead of the floor in winter, 2 in summer

    Shifts start earlier so the 8 a.m. contact window opens on time.

  • Central

    Same clock in winter, 1 hour ahead in summer

    The closest overlap there is with the operations floor and the Arlington office.

  • Mountain

    1 hour behind the floor in winter, same clock in summer

    Afternoon and early-evening queues carry the coverage.

  • Pacific

    2 hours behind in winter, 1 in summer

    Later shifts cover the West Coast working day to 9 p.m. local.

Where we work

Fifty states, the District of Columbia, and the metros inside them.

Programs are staffed for every U.S. state and the District of Columbia; the 183 places listed are shown so you can see the footprint at a glance, not as separate destinations. State-specific legal detail is published only after counsel review.

South17 states

Central and Eastern time zones. Central-time portfolios have the closest overlap with the floor; teams on Eastern-time portfolios start earlier so the 8 a.m. contact window opens on the consumer's clock.

  • Texas

    Houston · Dallas–Fort Worth · San Antonio · Austin

  • Alabama

    Birmingham · Huntsville · Mobile · Montgomery

  • Arkansas

    Little Rock · Fayetteville · Fort Smith

  • Delaware

    Wilmington · Dover · Newark

  • District of Columbia

    Washington · Anacostia · Georgetown

  • Florida

    Miami · Tampa · Orlando · Jacksonville

  • Georgia

    Atlanta · Augusta · Savannah · Columbus

  • Kentucky

    Louisville · Lexington · Bowling Green

  • Louisiana

    New Orleans · Baton Rouge · Shreveport · Lafayette

  • Maryland

    Baltimore · Columbia · Silver Spring · Frederick

  • Mississippi

    Jackson · Gulfport · Southaven

  • North Carolina

    Charlotte · Raleigh · Greensboro · Durham

  • Oklahoma

    Oklahoma City · Tulsa · Norman

  • South Carolina

    Charleston · Columbia · Greenville · Myrtle Beach

  • Tennessee

    Nashville · Memphis · Knoxville · Chattanooga

  • Virginia

    Virginia Beach · Richmond · Norfolk · Arlington

  • West Virginia

    Charleston · Huntington · Morgantown

West13 states

Pacific and Mountain operations get coverage that starts before their morning and runs through their afternoon; late-day queues are scheduled accordingly.

  • Alaska

    Anchorage · Fairbanks · Juneau

  • Arizona

    Phoenix · Tucson · Mesa · Chandler

  • California

    Los Angeles · San Francisco Bay Area · San Diego · Sacramento

  • Colorado

    Denver · Colorado Springs · Aurora · Fort Collins

  • Hawaii

    Honolulu · Hilo · Kailua

  • Idaho

    Boise · Meridian · Idaho Falls

  • Montana

    Billings · Missoula · Bozeman

  • Nevada

    Las Vegas · Reno · Henderson · North Las Vegas

  • New Mexico

    Albuquerque · Las Cruces · Santa Fe

  • Oregon

    Portland · Salem · Eugene · Bend

  • Utah

    Salt Lake City · Provo · West Valley City · Ogden

  • Washington

    Seattle · Spokane · Tacoma · Vancouver

  • Wyoming

    Cheyenne · Casper · Laramie

Midwest12 states

Eastern and Central time zones with the same working day, so escalations and coaching happen while both sides are at their desks.

  • Illinois

    Chicago · Aurora · Rockford · Springfield

  • Indiana

    Indianapolis · Fort Wayne · Evansville · South Bend

  • Iowa

    Des Moines · Cedar Rapids · Davenport

  • Kansas

    Wichita · Overland Park · Kansas City · Topeka

  • Michigan

    Detroit · Grand Rapids · Ann Arbor · Lansing

  • Minnesota

    Minneapolis · Saint Paul · Rochester · Duluth

  • Missouri

    Kansas City · St. Louis · Springfield · Columbia

  • Nebraska

    Omaha · Lincoln · Bellevue

  • North Dakota

    Fargo · Bismarck · Grand Forks

  • Ohio

    Columbus · Cleveland · Cincinnati · Toledo

  • South Dakota

    Sioux Falls · Rapid City · Aberdeen

  • Wisconsin

    Milwaukee · Madison · Green Bay · Kenosha

Northeast9 states

One hour ahead of the floor in winter and two in summer. Teams serving Eastern-time portfolios start earlier so the contact window opens on the consumer's clock, not ours.

  • Connecticut

    Hartford · New Haven · Bridgeport · Stamford

  • Maine

    Portland · Lewiston · Bangor

  • Massachusetts

    Boston · Worcester · Springfield · Cambridge

  • New Hampshire

    Manchester · Nashua · Concord

  • New Jersey

    Newark · Jersey City · Paterson · Trenton

  • New York

    New York City · Buffalo · Rochester · Albany

  • Pennsylvania

    Philadelphia · Pittsburgh · Allentown · Harrisburg

  • Rhode Island

    Providence · Warwick · Cranston

  • Vermont

    Burlington · Rutland · Montpelier

The two offices

Where the work is actually done.

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

Contracting, account management and client reporting run through TEKS Solutions LLC in Arlington. Agents work from the operations floor in Guadalupe, Nuevo León. Both keep Monday–Friday, 9:00 AM – 6:00 PM Central.

Questions

Coverage, answered.

How the model compares with hiring and offshore
Which states does TEKS serve?
All fifty states and the District of Columbia. Programs are delivered from the operations floor in Guadalupe, Nuevo León, in the Monterrey metropolitan area, with contracting and account management through TEKS Solutions LLC in Arlington, Texas.
Do you have an office in my city?
No, and that is the point of the model. There is one operations floor and one U.S. office rather than a branch network, so your program is staffed by a dedicated team that knows your account rather than by whoever is nearest. Contact happens by phone, SMS and email inside your systems, on your customers' local schedule.
How do you handle time zones across the country?
The floor holds Central Standard Time all year and shifts are scheduled around the portfolio's time zones. Contact windows always follow the consumer's local time — no contact before 8 a.m. or after 9 p.m. where they are, not where the agent is — which is the Regulation F standard every program is run to.
Is TEKS licensed as a collection agency in my state?
TEKS does not take placements in its own name and does not hold itself out as a licensed third-party collection agency. Agents work as an extension of your team, inside your systems and under your name, so your organization remains the creditor. Whether a specific 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.
Do state collection laws affect a first-party program?
Yes. Several states have debt collection statutes that reach original creditors and their agents, where the federal FDCPA generally does not. Because our agents work in your name, the rules that bind you bind them, and teams assigned to a portfolio are briefed on the applicable state rules before taking a call.
Why is there no page for my city?
Because there is nothing city-specific to say. The rules that vary are state rules and the operating model is identical everywhere, so a page per city would repeat the same content under a different name without helping anyone decide anything. State-specific legal detail is published only after counsel review.

Next step

Tell us where your portfolio is.

A discovery call covers your states, your time zones, your systems and the coverage hours your customers actually need.

Book a consultationCall +1 (682) 243-5599

We typically respond within one business hour during business hours.

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