Who we are


Shhhhh! Don’t tell anyone, but we found the magic behind collecting money. KINDNESS. Yep, that’s it. Plain and simple. You’d be surprised how often a kind word paves the way for payment.  We’ve been in the debt collection business since 1954 and with that much experience, you can trust us!  Our tagline isn’t just words – it’s how we do business every day.

Our corporate office is one of Visalia’s premier historical landmarks, providing an unprecedented work environment within the collection industry.  We also have the privilege of serving on the California coast with a payment center located in Grover Beach.



That’s an easy answer … exceptional customer service.

At our very core is the belief that people matter.  In everything we do, we ask ourselves “are we valuing people?”  It’s our directive.  Do we succeed 100% of the time?  No – we employ human beings, who are just that – human.  Though we may stumble at times, we use those opportunities to grow and improve.

Here are a few other factors that differentiate us from the crowd:

  • Our Multi-Language Program – one of our primary focuses has been developing our bi-lingual collection services through this program.
  • Client View – the ease and convenience of having access to your accounts at your fingertips through a web-based client portal.
  • Staff – we hold each other accountable to be the best team in the industry!


In order to be the best, you have to hire the best and to hire the best you have to be the best – it’s a cycle that keeps us on our toes.  We have a team of over 40 people.  Each of them have a story to tell.  Each of them make FCN a better place.  Since we are unable to introduce you to everyone, we’d like to share a little bit about the team members who interface with our client family.

Alicia Sundstrom

Chief Inspirational Officer (AKA – President)

There are so many things I am passionate about and that I love….creating an amazing work place and developing a first class team are near the top along with my family, reading , traveling, live music, the ocean, and if you really want to make me giggle…..finding the perfect pair of shoes…or the perfect accessory…that pop of color that really makes the outfit….my name is Alicia and I’m addicted to fashion!

Kris Davisson

Director of Encouragement (AKA Vice President)

I’ve always had a sense that life should be fair. Obviously that’s not possible, but oh how I strive to make it so.  I guess that’s how I got the nickname “Jiminy Cricket” or “The Conscience of the Company”.  My favorite thing is making people feel like they make a difference, they have a voice and they are incredibly valuable.  I love spending time with my family, serving the community and tinkering in my woodshop!  My super power?  My smile and pixie charm.

Susan Morado

Compliance and Training Officer/Collection Manager

At this stage in my life, I’m so grateful to be in excellent health, proud of my children’s accomplishments, my grandchildren (their smiles and joy they add to my life!) and the opportunity given to me to have worked 32 years for an amazing company allowing me to travel and experience new and exciting wonders!

Andrea Crawford

Master of the Balance Beam (AKA Support Team Supervisor)

As much as I enjoy staying local with my hubby and son, I love to explore! Born and raised in Visalia my roots will stay planted but, my limbs have stretched to 8 countries and 24 states! In my “spare” time I have a passion for volunteering and watching my son golf!

Josie Navarrete

Legal Supervisor

I’ve been with the company 26 years. I love spending time with family and friends, like the outdoors and love to travel. I’m passionate about being the voice for a child through my participation in CASA (Court Appointed Special Advocates).

Lare Carson

Wearer of Boundless Hats (AKA Technical Support Manager)

I love to read! It takes you to another place and you can, for a short time, forget your own worries.

Brenda Pimentel

Collection Supervisor

One of the most important things in my life are my three loves – my husband and my two boys!  They mean the world to me and because of them it is very important for me to dedicate time to my family. We enjoy a great ball game at the Angels Stadium and create new memories each time we travel there. I enjoy scrapbooking and I love, love shoes!  And let’s not forget a beautiful piece of jewelry to make you feel beautiful!! It’s the little things that make me happy and smile every day.

Lisa Johnson

Collection Supervisor

I have been with the company 34 years and counting!  During this time I’ve gotten married and raised five children.  Like they say “If you love what you do, you never work a day in your life.” I love spending time with my family and friends and working in my yard.

Rosalina Padilla

Collection Supervisor

I thank my parents for instilling good work ethics, I do my job with pride. I believe you meet certain people from different walks of life for a reason. I have a big heart and love helping others without having a light shining on me. I love sharing my knowledge. I may be direct but I also have a great sense of humor. I’m very competitive and I love new challenges. I’m Rosalina.

Robin Osborn

Exceeder of Expectations (AKA Client Servicing Representative)

One of my favorite things to do is attend rock concerts. Actually I like all types of live music and have seen too many bands to list and am still counting! I also enjoy Sprint Car racing, spending time with my family and grandpuppy, Petey.  So if you enjoy rock concerts too and happen to see me at one of the many venues I have frequented, please give me a big WAHOO! and I might buy you a beer!!

Wendy Anderson

Exceeder of Expectations (AKA Client Servicing Representative)

Being the youngest of a family of four is a tough job but someone has to do it! As the youngest I also felt the need/desire to be the performer. Throughout the years I have been a wedding and funeral singer, sang the national anthem and was a Music Minister for over 10 years, what an amazing honor! I had my acting debut at  “Encore Theater” playing twins in a slap stick comedy, (I had a dying scene that was out of this world). Lastly I had my own clown business “Merry Heart Clown Productions”. My passion – to make people happy, laugh or just feel good. My name is Wendy (aka Tickles the Clown) and I am addicted to laughter!

Maria Esparza

Exceeder of Expectations (AKA Client Servicing Representative)

I love being a mother of three wonderful boys!  I’m a total baseball mom when it comes to being out on the field. My mother is truly my best friend. I like to stay positive in everything I do – it makes my day go by faster!


Our passion to make a difference extends to our community.  We believe it is imperative that we give back, both with our time and resources.  We encourage our team members to get involved in the communities they call home.  We have soccer coaches and boy scout leaders.  We have staff members who are active in rotary and another that is a board member of a national charity.  Some of our team goes to foreign countries to help the underserviced.  Additionally, we provide opportunities to get involved in our own corporate projects.

Organizations and events we support:  

Boys & Girls Club’s Bowl for Kids, American Cancer Society’s Relay for Life and Visalia Emergency Aid’s Race Against Hunger.

We have two projects that we are especially passionate about:

Project Hope:  In May of each year, we provide opportunities for our staff to be exposed to service through Project Hope.  These projects are scheduled during normal work hours and we pay the staff their regular rate of pay to participate.  Once someone catches the “service bug”, they continue to volunteer on their own!

Ann’s Kids for Christmas:  We have been participating in this event for over 30 years.  This program provides a Christmas Party for 300 underprivileged Tulare County children.  We spent the entire year making preparations in anticipation of that December day when they all assemble to eat some pizza, laugh and see Santa.  It is our favorite day of the year.


How many small companies do you know of that have enough long-timers to have a club?! We do! We currently have thirteen employees who have been with us for more than 20 years and we are adding new people each year. That’s amazing! 

Membership has its privileges – these employees get special perks throughout the year including additional vacation times, special lunches and even more bonus potential.