Treasury Bureau of the Fiscal Service, Cross-Servicing (page captured 2026-10-01)

Summary

A web page of the Bureau of the Fiscal Service describing its Cross-Servicing program, which collects delinquent nontax debt owed to federal agencies. It says federal agencies generally must refer delinquent debts to the program when the debt is between 60-days and 180-days delinquent, and that the referring agency determines the amount owed and which collection tools may be used. The tools listed include demand letters, calls, payment agreements, referral to the Department of Justice for litigation, credit bureau reporting, administrative wage garnishment, private collection agencies and offsets through the Treasury Offset Program. The page notes that certain classes of debt are exempt and lists resources for agencies and debtors; it was last updated June 18, 2026.

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Cross-Servicing

The Cross-Servicing program collects delinquent nontax debt owed to federal agencies. It is administered by the Bureau of the Fiscal Service’s (BFS) Governmentwide Solutions area.

By law, federal agencies generally must refer delinquent debts to the Cross-Servicing program when the debt is between 60-days and 180-days delinquent. The agency referring the debt is responsible for:

- determining the amount of the debt (including any interest, penalties, and costs) and
- telling the Cross-Servicing program what tools may be used to collect the debt.

In most cases, the referring agency permits the Cross-Servicing program to set up payment arrangements with the debtor based on the debtor’s ability to pay.

The Cross-Servicing program uses a variety of tools to collect debts:

- sending demand letters,
- calling debtors,
- negotiating payment agreements,
- referring debts to the Department of Justice for litigation,
- reporting debts to credit bureaus,
- administratively garnishing wages,
- referring debts to private collection agencies,
- offsetting federal and state payments through the Treasury Offset Program,
- assisting with the resolution of disputes about the amount or existence of the debt.

More information about some of these tools is available on our website:

Certain classes of debt are exempt from the Cross Servicing referral requirement. View a list of those exemptions .

BFS offers training in Cross Servicing for federal agencies. You can find the listing of classes at https://fiscal.treasury.gov/about-us/training-events

Resources

Agency Profile Form

Debtor Dispute Form

Claims Collection Litigation Report

Consumer & Commercial Debtor Financial Statements

Private Collection Agencies

Legal Authorities

Make a Payment

Debt Collection Resources for Cross-Servicing Debtors

Need Help?

Administrative Wage

Garnishment FAQs for individuals

Administrative Wage Garnishment

FAQs for employers

Cross-Servicing FAQs

for Federal Agencies

Cross Servicing FAQs

for Debtors

Contact Us

Last Updated: June 18, 2026

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