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Smith Rouchon & Associates Smith Rouchon & Associates
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Business Details
47 Years
experience
Your Trusted Debt Collection Partner in Jackson, MS
Smith Rouchon & Associates has been a trusted partner in debt recovery since 1979, serving local and national businesses with integrity and expertise. Our team of over 60 professionals operates across 33 states, the District of Columbia, and Puerto Rico, combining decades of experience with a deep understanding of regional debtor populations. We prioritize compliance with federal and state regulations, including the FDCPA, TCPA, and HIPAA, ensuring ethical practices in every interaction. Our localized approach fosters trust with clients and debtors alike, while our scalable infrastructure supports efficient, cost-effective solutions tailored to each client's unique needs.

As an active member of ACA International and other industry associations, we maintain rigorous standards for ongoing education and regulatory adherence. Our contingency-based model guarantees payment only upon successful recovery, aligning our success with our clients' outcomes. By treating debtors as individuals rather than case numbers, we balance assertive collections with respect for all parties involved. This philosophy, combined with advanced data systems and a commitment to transparency, has solidified our reputation as a leader in the debt recovery industry.
Services
Medical Collections Retail Debt Recovery Commercial Debt Collection Bankruptcy Verification Skip Tracing Services
Details
  • Year established: 1979
Highlights and features
  • We have over 40 years of experience in debt recovery across multiple industries.
  • No fee is charged unless we successfully collect on your behalf.
  • All collection activities comply with FDCPA, HIPAA, and other federal regulations.
  • Our localized expertise enhances debtor engagement in Mississippi and surrounding regions.
  • Customized collection programs are tailored to meet specific business requirements.
Associations and certifications
  • ACA International
  • Healthcare Financial Management Association
  • Medical Group Management Association
  • Better Business Bureau
Update Listing
Services
Medical Collections
Specialized recovery of unpaid medical bills for healthcare providers. Our team understands the sensitivity of patient accounts and employs compliant communication strategies to resolve balances while preserving provider-patient relationships. Services include early-out programs and secondary collections.
Retail Debt Recovery
Targeted collection solutions for retail businesses facing unpaid customer accounts. We utilize skip tracing and customized payment plans to recover outstanding balances from individuals, maintaining brand reputation through professional, regulation-compliant interactions.
Commercial Debt Collection
Resolution of unpaid business-to-business debts through strategic negotiations. Our specialists handle complex commercial accounts, including bankruptcy verification and legal documentation preparation, to recover funds owed to suppliers, service providers, and manufacturers.
Skip Tracing Services
Advanced investigative techniques to locate debtors with outdated contact information. We combine proprietary databases with real-time data sources to update records, ensuring effective communication channels for successful debt recovery across 33 states.
Bankruptcy Verification
Comprehensive assessment of debtor bankruptcy filings to determine collection viability. Our experts analyze court documents and exemptions to advise clients on recoverable amounts, ensuring compliance with automatic stay regulations during insolvency proceedings.
People
Tommy Smith
President and CEO
Tommy Smith has led SRA since its 1979 founding, building long-term client partnerships through ethical collection practices and a commitment to regulatory compliance in debt recovery operations.
Samantha Oberhausen
CFO
Samantha Oberhausen manages financial operations at SRA, ensuring fiscal responsibility and transparent accounting practices that support the company's growth while maintaining competitive client pricing structures.
Betty Smith
Vice President
Betty Smith oversees key operational functions at SRA, leveraging decades of industry experience to maintain high recovery rates while ensuring compliance with evolving debt collection regulations.
Questions
What industries do you specialize in?
We serve medical providers, retailers, utilities, financial institutions, and commercial businesses across 33 states, with specialized programs for healthcare debt and business-to-business collections.
How are your fees structured?
Our contingency-based model means you pay only when we successfully recover debts, with rates determined by the complexity and volume of accounts placed with us.
Are you HIPAA compliant?
Yes, we maintain full compliance with HIPAA regulations for medical debt collections, ensuring patient information confidentiality through secure data handling protocols.
Can you handle multi-state collections?
Our licensed collectors operate across 33 states, Puerto Rico, and Washington D.C., with localized knowledge to navigate varying state-specific debt collection laws effectively.
What makes you different from other agencies?
Our combination of regional expertise, 40+ years of experience, and personalized service approach ensures both regulatory compliance and higher recovery rates compared to national competitors.