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About Us

CMC has perfected collection practices by investing in technology, refining techniques, and bringing together the best people in the industry.


Mission Statement

Credit Management Company is committed to providing our business partners with optimum accounts receivable management, debt recovery, and customer care programs through expertise, knowledge, technology, and communication.



As we operate internally as a team, our approach with respect to our Clients is the same building strong, lasting business partnerships through listening and responding to their needs. What sets us apart from other agencies is not just our technology, techniques, or collection rates, but the most important attribute to CMC, our people.


CMC revolves around a set of core values that are incorporated into our internal structure and management.

Credit Management Company, headquartered in Pittsburgh, PA, has been providing full service accounts receivable and collection management programs across several industry segments since 1966. Our clients reside in the healthcare, government, education, and consumer industry sectors. All have benefited from either our standard or customized outsourcing programs to improve their bottom line.

Working with some of the most influential players in the industry, we are proud of the partnerships we have cultivated over the years. Each business relationship is approached in a collaborative style, always listening and responding to our clients' needs and working together to find the best solutions possible.

Our customized outsourcing processes deliver solutions that will accelerate cash flow, lower operating expenses, reduce customer delinquency, and improve customer care and support. Our primary services include:

Click on a market sector below to understand more about our specialized services for each segment:

Leadership at Credit Management

Our emphasis on client service is exemplified by the ethics and integrity of our senior management staff, positioning Credit Management Company (CMC) as one of the most recommended agencies in the industry. With nearly a century of combined experience, this team has not only defined who CMC is, but how we will continue to evolve.

Each team member is accessible to you, ensuring that you will experience an efficient and managed process. Open communication and a teamwork approach is a philosophy we endorse. Listening and responding to our clients is the premise that CMC was built upon, and we guarantee you will find our partnership beneficial and profitable.

Mary Lou President at CMC

Mary Lou Muti


Mary Lou has been with the organization for over 35 years, acting in the capacities of CFO and Executive Vice President prior to her position as President. Her primary responsibility is overseeing the daily operations and future direction of CMC. In addition she also manages billing, finances, client reports, and information system related matters. She also has the on-going task of assessing new technologies and improvement capabilities. Mary Lou graduated from Butler Community College with an Associate's degree in Accounting.

Joel McKiernan VP of Sales at CMC

Joel McKiernan

Vice President of Sales

Joel is an essential team member of Credit Management Company, and has over 22 years of experience in the healthcare revenue cycle industry. Joel is very active in the sales arena and an active member of several industry associations. He is responsible for managing and directing our sales force and new market and product development. Joel received a B.S. in Business Administration from the University of North Carolina at Charlotte.

Mark Vice President of Operations at CMC

Mark Zalewski

Vice President of Operations

Mark joined CMC in 2013 and brought with him over 22 years of experience in the collection industry.  Mark has managed teams of collectors in healthcare, commercial, utilities and other consumer markets. His primary responsibility is to oversee the collection, early out, and training & development departments by building and maintaining a skilled, motivated staff with industry experience and knowledge. Mark ensures compliance with all industry regulations, telephone performance techniques and business system operations.  Mark received his undergraduate degree in business administration from the University of Houston.

Cesar Controller at CMC

Cesar Wilen


Cesar brings over 10 years of accounting and finance experience to the CMC team.  Cesar is responsible for the production of periodic financial reports for CMC including analyzing trends, costs, revenues, financial commitments and obligations incurred to predict future revenues and expenses.  He ensures all reports comply with generally accepted accounting principles and provides information to external auditors.  Cesar manages internal A/P and A/R teams as well as external vendors. Wilen graduated from Florida Southern College with a degree in financial management. 

Connie Director of Client Services at CMC

Connie Wade

Director of Client Services

Connie has over 22 years of experience in collections, client service, and medical billing and has been with CMC for nearly 20 years. As the Director of Client Services, her primary responsibility is to guarantee total client satisfaction and forge strong business relationships with our partners.  Having a very meticulous, hands-on approach, Connie’s team works with our clients to resolve any account topics concerning debtors.  This entails an array of functions including handling statement issues, debtor disputes, checking account balances, and accessing clients’ billing information via on-line admission.  Ensuring total client satisfaction, she communicates with our business partners on a regular basis in a prompt, professional manner.

Bill East

Director of IT

Bill serves as the Director of Information Technologies for CMC. He has been working in the IT industry for over 18 years, during which time he has held a number of leadership positions, including information systems manager, consultant, and network and systems engineer. Bill received an undergraduate degree in Information Technology and an MBA from Point Park University. He brings his depth of experience, technical skills and management capabilities to his role where he is responsible for the planning, organization, and execution of all IT functions. His position includes directing all IT operations to meet customer requirements as well as the support and maintenance of existing applications and development of new technical solutions.

Credit Management Company's Technology

CMC's state of the art call center technologies allow us to generate best in class results.

Skip Tracing

We utilize multiple service partners to identify valid and up-to-date contact information for debtors who may have relocated or had a change in phone number. This technology allows us to reach more debtors and leads to higher liquidity rates.

Predictive Scoring

By incorporating analytics and applying a predictive score, we are able to determine likelihood of payment by debtor. This score is used in addition to, or in combination with, balance size and last day worked to build effective recovery strategies.

Payment Processing

Our Collections Services team has the ability to take payments in a variety of forms including (1) walk-ins, (2) mail, (3) phone pad payments, (4) on-line payments via website and (5) speaking with a CMC Agent.

Remote Client Access

We are proud of the level of work and effort that goes into each account that is placed with CMC, and we want our business partners to always be able to have secure access to that information, from just about anywhere – with just a few clicks of a mouse and a few keystrokes.

If you are a current client, and have not taken advantage of this communication tool, please contact us at or call us at 1-800-472-1483 to have your account setup. A teleconference can also be set-up to walk you through navigation accompanied by an easy to follow manual.