Learn more about us.


Turning Point (formerly Hampton Roads Contact) was established in 2003 as a Private Process Service company. In 2005 we took on our first credit union in the assisting of their delinquent loan servicing. In just a matter of months through word of mouth on our success, we took on our second credit union and we have continued to add Credit unions and assist them since. Today TURNING POINT Loan Servicing Solutions manages over $180 million in loan portfolios and over $25,000 million in Credit Card portfolios.


Turning Point provides all of our Loan Servicing Solutions in an experienced and professional manner that your members deserve and expect while at the same time keeping the interest of the credit union its top priority. TURNING POINT works exclusively with each credit union to develop a plan and strategy to assist in meeting its goals and expectations. TURNING POINT feels that every credit union situation is different and that is why TURNING POINT gives personalized individual planning for each.


These are NOT collection agency services. Turning Point actually becomes an extension of your credit union and operates under your guidelines and policies. OUR employees are YOUR employees and your members will receive the same type of professionalism as if they were dealing directly with your staff at your credit union.


Turning Point also provides your members and their financial information the strictest security levels. Since Turning Point works directly from your credit union system there is no data transferred to a 3rd party software system. You control the security levels of our employees just as you would a teller or other member of your credit union staff. With today’s technology, Turning Point can login to your system by a VPN connection or desktop connection, no matter if your credit union is around the block or 3,000 miles away. This can be set up quickly and is usually not expensive to implement.



Turning Point focuses on small to medium size credit unions that may be wanting to improve their delinquency portfolios, reduce staffing or refocus staffing in other areas to cut employee overhead, or want to increase the efficiency of their collection departments while getting the utilization of a full  loan servicing department with no added or reduce cost to the credit union.



Turning Point is fully bonded and insured and our servicing program is recognized by the NCUA. If you are having issues with the NCUA audits concerning delinquency we can assist you in correcting those issues.


Our monthly servicing fees are a set flat fee and are based on the type of service provided. Usually the monthly servicing fees are less than a full time salary for our complete servicing package. Our loan servicing plans are built around your credit unions needs and desires and we work with your credit union to establish a plan that will meet your goals and expectations.





In review




• A way to reduce credit union overhead and expenses while keeping efficiency.

• The use of a full service collection department including the handling of repossessions, legal functions and bankruptcy functions.

• Increased member contact hours of 6 days per week including evenings and Saturdays.

• No third party systems, all collection activity is noted and tracked on your own software.

• Customization to your credit union needs.

• Flat monthly fee based on services requested. Usually

less than that of a full time salary.


Officially recognized by the National Credit Union Association.

Involved in several new technologies that assist in the collections process.

Bonded, Insured and Licensed.





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