Industries
Three automotive verticals, one dedicated-team model.
TEKS staffs dedicated bilingual teams for buy-here-pay-here dealerships, automotive finance companies and independent dealers. The model is the same on every program — agents assigned to one client, working under your name inside the systems you authorize — but the contact cadence, the shape of the team and the compliance posture differ by vertical. This page sets out how, so you can see which program fits before a discovery call.
01
First-Party BHPH Collections Support
Dedicated collectors on your aging buckets, insurance tracking on every financed unit and inbound customer calls — inside your DMS, under your name.
We recommend starting on one aging bucket, 1 to 30 days past due.
Service lines
Aging buckets, insurance tracking and the first ninety days02
Automotive Finance BPO
Verification, insurance tracking, collections support and inbound servicing capacity that keeps every credit decision with your underwriters.
We recommend starting with verification or early-stage collections.
Service lines
Verification, servicing peaks and controls a compliance team can audit03
Auto Dealership Outsourcing
Inbound answering, lead follow-up, appointment setting and verification, in English and Spanish, inside your CRM or DMS.
We recommend starting with inbound answering plus one outbound cadence.
Service lines
Phones, follow-up cadence and dealer-financed paper
How the three differ
Same model, three different programs.
What changes from one vertical to the next is the rhythm of the work, the shape of the team and the rules it is held to. Each column below comes from that vertical's own page.
Contact cadence
What sets the rhythm of the work, and what the team is measured on.
- BHPH Dealerships
- Weekly and biweekly due dates set the rhythm. The 1-to-30-day bucket is worked every day, every promise to pay gets a follow-up scheduled on the agreed date, and insurance lapses are chased inside your contact window.
- Automotive Finance
- Volume arrives in peaks — due-date clusters, month-end, the days after a statement drop. Coverage is sized to the peak on Central hours, and verification is managed to time to a complete file rather than calls per day.
- Auto Dealerships
- Inbound answering during your business hours, then outbound on the cadence you set: the second and third attempt on an internet lead, appointment confirmation, service reminders and a reminder before a due date on in-house paper.
Staffing pattern
How the team is shaped, which systems it works in, and what it adds after launch.
- BHPH Dealerships
- Dedicated collectors, bilingual by default, working inside your DMS under user accounts you create. The team starts on one bucket and adds later buckets, insurance tracking and inbound calls once note quality and cadence are proven.
- Automotive Finance
- A verification desk kept separate from decisioning, with insurance tracking, collections support and inbound servicing added as the book requires — in your origination and servicing platforms by role, scaled up for a seasonal spike and back down on agreed notice.
- Auto Dealerships
- A bilingual team sized to your call pattern, working in your CRM or DMS with routing and escalation rules you set. Pricing, negotiation and any commitment you have not authorized stay with your staff.
Compliance posture
Whose name the work is done under, and which rules it is held to.
- BHPH Dealerships
- The dealership is the lender, so payment work is first-party under your name. Programs run to Regulation F operating standards — attempt caps, contact windows in the customer's local time, cease requests honored on receipt — with classification determined with your counsel; state law such as Texas Finance Code chapter 392 may apply separately.
- Automotive Finance
- Controls a compliance team can audit: role-based access you grant and revoke, Regulation F standards enforced in the dialer, every result documented in your system. Credit decisions, and how verified information is used, remain with your underwriters and counsel.
- Auto Dealerships
- Customer communication runs on your scripts within the authority you set. Payment follow-up on dealer-financed paper is first-party under your name and held to the same Regulation F standards; verification results are recorded where your office manager can see them.
Operating environment
The auto-credit backdrop, by the numbers.
Federal Reserve Bank of New York figures on the environment these programs run in — the size of the book, the share of it seriously late, and how much new lending goes to the borrowers whose accounts take the most contact. Each carries the date it was checked.
$1.71T
Source 1in outstanding U.S. auto loan balances
2026 Q2 · Federal Reserve Bank of New York · Checked 2026-09-14
5.49%
Source 2of U.S. auto loan balances were 90+ days delinquent
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
- 1, 2, 3.Federal Reserve Bank of New York, Quarterly Report on Household Debt and Credit, 2026 Q2. Checked 2026-09-14.
Outside automotive finance?
The same dedicated-team model runs customer service, virtual assistant and bookkeeping programs for businesses outside these three verticals. Describe the workflow and we will tell you plainly whether it fits.
Classification
First-party, under your name.
Whether a specific engagement is classified as first-party servicing or third-party collection under the FDCPA depends on its structure and is determined with your counsel. TEKS runs every program to Regulation F standards regardless of classification.
The programs on this page are first-party support delivered in the client's name; the figures above describe the consumer-credit environment, not TEKS's role in it.
The operating standards each program is held to are listed on the collections support page.
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.