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800-655-6495, California/United States 707-542-6495, Northern California

About Us

Rely On Our Collection Agency For Excellence & Reliability

Rely On Our Collection Agency For Excellence & Reliability

Cal Coast Credit Service (CCCS) is located at 1142 State Farm Drive, in Santa Rosa CA 95403

For over six decades, CCCS has been an active member of both the American Collectors Association (ACA) and the California Association of Collectors (CAC). Additionally, the company is an approved State of California General Services Collection Agency and a designated State of California Small Business Agency.

We have performed outsourcing and collection activities for a broad range of clients, including business professionals, and commercial, retail and wholesale entities, private pay medical and dental practices, rental properties and much more. We also cater to educational providers, financial and insurance businesses, health care providers, hospitals, and government agencies.

The company's history attests to its sound financial condition with accounting and bookkeeping systems of the highest standards. Senior management provides a strong professional base with proven ability, integrity, and experience in all collection areas. The operations are supported by a high-quality, well-trained staff. Since 1955, CCCS has consistently fulfilled the client's needs far beyond their expectations, providing outstanding service and one of the highest collection recovery rates in the industry. Delinquent accounts are pursued in an assertive, yet professional and respectful manner. CCCS uses the recognized DAKCS Collection Software and maintains 24/7 systems and backup support.

We Believe Our Continued Growth Is Driven By Five Key Values That Make Up Our Culture:

  • People Count
  • We put people first because at the core, it’s people who drive our business and our success. This personalized approach to our employees and our customers is our most fundamental value and the key to our success

  • Customer Service Matters
  • You can have the best product on the market, but without great customer service to accompany it, your company’s potential decreases exponentially. We believe in providing great customer service. At the end of the day, we believe not only that great customer service creates great success, but we are also honored to represent the companies with whom we work.

  • Live the "Circle of Success"
  • Successful organizations do this, but haven’t necessarily given a name to it. For Cal Coast Credit Service, it’s an intricate process and is the foundation for all we do. First we set clear expectations, then we measure progress. After that we make one person individually accountable. Finally we reward and recognize results.

  • Do the Right Thing
  • Credibility is not created overnight. It’s built over time by forging relationships that emphasize doing what is right and doing it with integrity. Our team always takes the necessary steps to do the right thing.

  • Relentless Pursuit of Excellence
  • At CCCS, we can always do better. It’s that simple. You’ll never find us resting on the laurels of our past work. Instead, you’ll see us brainstorming new ways to streamline service and enhance the customer experience

Meet The Team


Matt Berto, President, has been with CCCS since 1981. Matt currently oversees the CCCS operations as general manager. Matt has gained a diverse understanding of collection agencies and their operations through his involvement in agency purchases and acquisitions. Further experience has been obtained as branch manager, systems coordinator, and special projects coordinator. Matt has served numerous terms and chairs for the California Association of Collectors.


David Berto, founded Cal Coast Credit in 1963.  David has served as National Director of the American Collectors Association and President of the California Association of Collectors. Additionally, he has served on the Santa Rosa City Council for 12 years and once served in the position of Mayor.


Cal Coast Credit Services (CCCS) is connected with a number of professional organizations.



ACA International
The Association Of Credit And Collection Professionals

ACA International, the Association of Credit and Collection Professionals, is the comprehensive, knowledge-based resource for success in the credit and collection industry.




Better Business Bureau

Since the Better Business Bureau's founding in 1912, the BBB system has proven that the majority of marketplace problems can be solved through the use of voluntary self-regulation and consumer education.


California Association Of Collectors (CAC)

California Association of Collectors (CAC) is the first organized association of collection professionals in the country and the founding unit of ACA International, the Association of Credit and Collection Professionals.

Values & Ethics

We adhere to the following rules when handling each and every account:

  • Treat Each Account with Respect
  • Maintain the Latest Industry Recovery Standards
  • Retain & Reinforce the Client's Good Reputation
  • Be Hands-on and Take Every Concern Seriously

Compliance & Security

Cal Coast Credit Service Employs Stringent Data Protection Policies and is HIPAA Complaint .

The Fair Debt Collection Practices Act (FDCPA)
The Fair Debt Collection Practices Act (FDCPA) is an amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute's stated purposes are: to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information's accuracy.

The Fair Credit Reporting Act
The Fair Credit Reporting Act (FCRA) is a United States federal law that regulates the collection, dissemination, and use of consumer information, including consumer credit information.

  • Firewalls
  • 128-Bit Data Encryption
  • Collector Call Recording
  • Employee Station Authorization
  • Virus Protection
  • HIPPA Collector Training & Accountability Systems
  • On-Site Third Party Document Destruction
  • Off-Site Secure Water/Fire Proof Backup Clone Operation


State Licenses
Cal Coast Credit Service, Inc. is licensed and compliant to collect in 17 states. We are expanding our state licenses monthly. If you would like to use our collection service and you reside in a state outside of our service area, please contact us and we will accommodate your needs.