LCS Receivables Management and its affiliated companies span the recovery spectrum from loan servicing and nationwide collections to debt acquisition and sales. Collectively, the LCS companies offer integrated solutions focused on enhancing loan performance, averting default and recovering losses on loan portfolios. Individually, each company provides targeted loan life cycle management solutions for the auto, student loan and mortgage industries. Whether a loan portfolio is performing or distressed, the LCS Receivables Management companies breathe "life" into the loan at any and every stage of the loan life cycle.