photograph of people with laptop


For Individual & Business Debtors

If you are looking for resources for individuals or businesses owing delinquent debts to the U.S. government, click the button below to find out more.
Find out more

Cross-Servicing is a consolidated government-wide program operated by Treasury's Debt Management Services (DMS) that fulfills the requirement of The Debt Collection Improvement Act of 1996 (DCIA) to collect delinquent, non-tax debt on behalf of federal agencies. As required by the DCIA, an agency must refer any eligible debt more than 180 days delinquent to Fiscal Service for cross-servicing.

As part of the Cross-Servicing program, DMS must take appropriate action to service, collect, compromise, or suspend or terminate collection action on the debt. DMS strongly encourages creditor agencies (agencies to whom debt is owed) to transfer all eligible delinquent debts for debt collection services before they are delinquent 180 days. Agencies are strongly encouraged to use all available debt collection tools.

Fiscal Service has been providing delinquent debt collection services to federal agencies since the enactment of the DCIA in 1996. After passage of the DCIA, Treasury/DMS and federal agencies entered into Letters of Agreement describing their respective roles and responsibilities.

Treasury Financial Manual (TFM) Chapter 4-4000, Debt Management Services Collection of Delinquent Nontax Debt, was published in October 2011. The TFM chapter replaces and supersedes all existing Letters of Agreement. To the extent that this TFM chapter changes current processes, DMS will work with each federal agency to implement the provisions of this TFM chapter.

Federal agencies should contact the Cross-Servicing Agency Liaisons at 800-858-0725 for more information regarding Cross-Servicing and the Cross-Servicing Debt Collection System including assistance with referrals, Agency Profile Form updates and Cross-Servicing report questions. Agencies who may receive questions from debtors should direct them to contact DMS toll free at 888-826-3127 to speak with one of our representatives.

Related Topics & Helpful Links

Managing Federal Receivables: a general overview of standards, guidelines, and procedures for the successful management of Federal activities ranging from the extension of credit or financial assistance to closing-out uncollectible debts.

Debt Collection Authorities: Public laws, statutes and other authorities related to the collection of delinquent debts owed to the government.

Annual Debt Certification Instructions

Cross Servicing Forms

Frequently Asked Questions:
   Administrative Wage Garnishment (AWG)

Debt Collection Tools

TOP logo

A centralized offset program for collecting delinquent debts owed to federal agencies and states, matching a database of delinquent debtors against payments Treasury dirburses.

Visit Treasury Offset Program (TOP)

Administrative Wage Garnishment (AWG)

A debt collection process that allows a federal agency to order a non-federal employer to withhold up to 15 percent of an employee's disposable income to pay a nontax delinquent debt owed to the agency.

Find out more

Credit Bureau Reporting

Guide to the Federal Credit Bureau Program - A Companion to the Treasury Financial Manual Credit Supplement.

Find out more

Private Collection Agency Contract

Treasury is required to maintain a schedule of private collection agencies (PCAs) or private sector companies having expertise in the area of debt collection, to assist the government in its debt collection efforts.

Find out more

Open Gov   My Money.gov   USA.gov
Linked In   Twitter   Facebook   You Tube   RSS Feed