Contact Account Representative

How can we assist you with your account today? 

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Compliments, Concerns or Complaints

We are always trying to improve.  Management at Pivot Rock is always interested in hearing your feedback. Thank you for taking the time to tell us what we did great or what we can improve upon.  A member of our management team will respond to you promptly.

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Contact Sales

Please tell us what services you are interested in learning more about and one of our salespeople will contact you.  Please remember to include your phone number.

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Prospective Dealers

With over 50 years of combined experience in automotive sales and finance, Pivot Rock Solutions understands your needs as a dealer/related finance company.   It is difficult to find adequate time to keep every aspect of your BHPH dealership and/or RFC running perfectly at all times.   WE CAN HELP!


Eight years ago, if someone told me that they could turn a sub-prime auto portfolio with an over 30-day delinquency over 17% and annual net charge-offs over 20% into a portfolio with an over 30-day delinquency rate under 2.0% and an annual net charge-off rate of less than 5.0%, I would have told them they were insane.   We did it!  Those are acutal numbers from a portfolio we manage and took from underperforming to overperforming. 


Every portfolio is different, and results can vary but we are confident that Pivot Rock can improve your portfolio’s performance and your company’s profitability.


Loan Servicing


Our professional loan servicing includes the following:

  • Notification letters to your customers
  • Welcome packets and coupon books (including Privacy Statement)
  • Welcome call from the customer’s dedicated account representative
  • Collection calls beginning at 1 day delinquency
  • Comprehensive customer service in English and Spanish
  • Collection letters and other required notices including Right to Cure Notices where applicable
  • Receiving and posting of all payments.  Customers can pay online, in-person, via mail or over the phone. 
  • Comprehensive reporting and data files
  • Direct dealership access to account notes and payment information (additional fee may apply)
  • Basic skip-tracing
  • Payments received are deposited directly into your bank account (minus applicable fees)

We also offer the following optional services:

  • Full skip-tracing
  • Account transfer
  • Annual Privacy Policy Notifications
  • Repossession
  • Asset Disposition
  • Insurance management