Lockhart, Morris & Montgomery is a third-party collection agency operating nationwide and headquartered in Richardson, Texas. Founded in 2004 by a team of collection industry veterans on a mission to transform the way debt collectors interact with consumers into a positive and productive experience. Our core belief is that every consumer truly wants to pay a valid debt. Most consumers end up with an account in collections because of life-changing and unanticipated events, not by choice. Divorce, job loss, health problems, mismanagement of finances, these unfortunate circumstances fall upon honest and hardworking people. At Lockhart, Morris & Montgomery, our agents are trained to assist consumers in solving not simply a single debt, but also to tackle big-picture financial problems. When our agents empower consumers with financial problem-solving tools, the result is a consumer with the knowledge and ability to address their debt and a satisfied client.

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