221 East Main Street, Morristown, TN 37816

About Us

Since 1962, Account Resolution Team has maintained its status as a family-owned debt collection company. After starting his career at a collection desk and within the sales industry, Harold Nichols decided to create a new opportunity and established his own Tri-county collection agency in Morristown, TN. Back then, Nichols sometimes allowed rural clients to pay him with farm-fresh eggs or low, weekly, in-person cash payments.  

Much has changed since those early days. In 2015, the company – formerly known as Tri-County Collection Agency (TCCA INC) and its subsidiary Credit Bureau of East Tennessee – was renamed Account Resolution Team Inc. to reflect its broader mission: to resolve accounts efficiently and help businesses run more smoothly.  

At the same time, many things have remained the sameEventually, Harold passed the torch to his son, Joey Nichols, who grew up counting checks in their father’s office for funToday, Joey spearheads the team as Chief Executive Officer (CEO). Lisa Sawyer, daughter of Harold Nichols, also helps to run the daily operations of the company.  

Our team showcases a rainbow of personalities and professional backgrounds. Some of our employees have been with the company for more than a decade, amounting to more than 70 years of collaborative experience. 

Account Resolution Team is a member of the American Collectors Association (ACA), Healthcare Financial Management Association (HFMA), and American College of Healthcare Executives (ACHE).