C B Merchant Services is a professional collection agency established in 1917 (over 100 years!) as a California mutual benefit, not-for-profit corporation. We add to the financial health of communities throughout California by handling the tough parts of accounts receivable management-delinquent accounts. We collect more for our clients by leveraging the most current technology and information resources together with a highly trained collection staff. We treat everyone with the highest level of dignity and respect, check our references! We have an A+ BBB rating. We believe we recover more for our clients as a result of this high degree of customer service, in a complaint-free environment.

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We increase your bottom line.

C B Merchant Services (CBMS) has been helping businesses increase their bottom line for more than 100 years by combining technology with a highly trained, customer-oriented, collection staff.

  • dummy We have the experience to collect difficult accounts.
  • dummy We know the industry.

Collecting More than the National Average

Our recovery rate consistently exceeds the national average (16.7% as of ACA's 2014 survey) dollars assigned versus dollars collected.

  • dummy Each member of our Management Team has 40+ years of experience in the industry.
  • dummy We're an Agency that's been around since 1917. 

Competitive Rates


We believe our clients are looking for a collection agency that provides a combination of high recovery and competitive rates. C B Merchant Services’ rates are flexible and we don’t charge for our services until we collect.

  • dummy No Upfront Costs.
  • dummy Excellent Recovery.

Manage Your Account Online


Assign and manage your accounts conveniently, view in realtime balances and view / update account status, through our Secure Internet Account Access https://qwikclient.dakcs.com/login.aspx?access=217283   All your account information is secure in a SSAE16 double fire-walled computer network that is available to authorized CBMS clients only. In the event of an unforeseen disaster, your records will not be compromised. All CBMS files are backed up nightly, weekly and monthly and stored in a secure location off-site. In addition, we utilize a third-party security service to ensure the safety of our proprietary client/debtor information.

Executive Board

Meet Our Team

Linda Guinn
Linda GuinnPresident / CEO / Past President of the CAClguinn@cbmerchantservices.com
Linda Guinn has 42 years’ experience in the credit reporting and collections industry. She oversees all of CBMS functions including collections, sales, accounting and financial reporting. Linda was recognized and elected by her peers to serve as President (past) of California Association of Collections
Shirley Goulart
Shirley GoulartAccount Executivesgoulart@cbmerchantservices.com
With over 27 years of industry experience, she is directly responsible for establishing and maintaining all client relationships for C B Merchant Services. Shirley will be your dedicated liaison to ensure you enjoy a high level of customer satisfaction. She is versed in a magnitude of laws pertaining to the accounts we collect.
Wendy Costa
Wendy CostaCollections Supervisorwcosta@cbmerchantservices.com
Mrs. Costa has over 16 years’ experience in the collection industry and is responsible for the clerical department duties. Wendy oversees all collection efforts including issues that must be escalated for a resolution to ensure clients and customers receive excellent customer service.
Ana Molina
Ana Molina Compliance & Collection Manager/Operations Manageramolina@cbmerchantservices.com
Ana Molina has over 40 years in the collection industry. She is responsible for corporate compliance and oversees all facets of the collection agency including hiring, training, supervising collection staff. Ana works with sales, accounting, and key management to assist clients in a professional manner.
Linda Isaak
Linda IsaakAccounting Managerlisaak@cbmerchantservices.com
Linda has over 31 years of experience in the credit and collection industry. She leads our accounting department and is responsible for all facets of accounts payable, accounts receivable (non-collection), posting collection payments, cash handling and depositing all funds collected into our client trust account.