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No shame Just numbers Read the letter Dispute the error Know your rights Build the score Hold the line Live within means Pay yourself first Credit, proudly
No shame Just numbers Read the letter Dispute the error Know your rights Build the score Hold the line Live within means Pay yourself first Credit, proudly
Agency #19

ConServe

ConServe is an accounts-receivable management provider focused on higher education, financial institutions, government, and commercial lenders.

Why it is on this list

ConServe is a long-running national collection firm with a strong higher-education and government receivables footprint.

Common account types
  • Higher-education balances
  • Government receivables
  • Credit union and financial-institution accounts
  • Commercial lender accounts
Official identity

Verify the collector before using a link or sending payment.

Compare these details against the validation notice, credit report entry, and any payment page before sharing account or bank information.

Legal name
Continental Service Group, LLC d/b/a ConServe
Known aliases
Continental Service Group
Mailing address
200 CrossKeys Office Park, Fairport, NY 14450
Last reviewed
May 20, 2026

If a caller, text, email, or payment site uses different identity details, contact the collector through an official source before responding.

Identity sources:ConServe homeConServe about
Role clarification

Third-party collection servicer and government private collection contractor

Who owns the debt changes what documentation, authority, and correction path you should ask for before paying.

ConServe describes itself as an accounts-receivable management provider focused on collection solutions for higher education, financial institutions, government, and commercial lenders. IRS lists ConServe as a private collection agency that may contact taxpayers on the government's behalf, and Treasury procurement records describe fee-for-service collection of delinquent federal non-tax debts.

Do not assume ConServe owns the account; ask for validation showing the current creditor, original creditor if different, account number, itemized balance, and current amount.

For IRS-assigned tax debt, verify the assignment through IRS notices or transcripts and make any payment directly to the U.S. Treasury, not to ConServe.

Consumer notes

What to know before responding

  • School-related accounts may involve tuition, institutional loans, parking, fees, or other campus receivables; request a detailed school ledger.
  • If a government or school account has appeal rights, use those procedures in addition to debt validation.
Do this first

Verify before paying.

A legitimate collector can still have the wrong person, wrong amount, stale debt, duplicate placement, or incomplete documentation.

  • The collector name, mailing address, phone number, and website against the letter you received.
  • The original creditor, current owner or client, account number, balance, and date of last payment.
  • Whether the debt is inside your state lawsuit limitations period before making a payment or written promise.
  • Whether the account appears on your official credit reports from AnnualCreditReport.com.
  • Whether the account matches the account types commonly associated with ConServe: Higher-education balances, Government receivables, Credit union and financial-institution accounts, Commercial lender accounts.