Noble is unique.

We work with you
to get your debt resolved.

Debt collections done right...

We listen and we offer a plan that is mutually beneficial.

Let's resolve your debt together...

Our goal is to help you pay off your debt and put it behind you.

Call us and you won't be disappointed...

We are Noble and we want to build a solid relationship with you based on dignity, respect, and helpful communication.

Noble's Commitment to Excellence

  1. Superior Results: Our team works with customers to honorably and ethically resolve their delinquent debt - especially in late stage delinquencies.
  2. Product: Noble services all types of consumer debt from early stage delinquencies to late stage delinquencies to post charge-off recovery.
  3. Compliance: Noble has adopted a highly compliant business model. Noble has developed good relationships with federal and state regulators and Consumer Advocacy Organizations.
  4. Value to Debtors: Noble works to resolve the delinquent debt at a fair price. Noble's "white glove" approach is friendly and appeals to regulatory bodies. Noble values our customers.
  5. The Noble Outreach Strategy Gets Results: The goal is two-fold - to increase the consumer's "ability to repay" and increase the consumer's "willingness to repay". By listening to the consumer's situation and working with them to create the best possible arrangement, the resulting trust and rapport with the consumer produces a corresponding increase in the "willingness to repay". That is why Noble is a leader in the industry.

Noble is committed to building trusting relationships by serving customers in a highly compliant manner and to do so with integrity and honesty. Noble is licensed to collect consumer accounts nationwide and over all time zones. We comply with all federal regulations (FDCPA, FCRA, HIPAA, etc.).

We Live Our Principles

Noble treats each customer respectfully and works to build a trusting relationship.

We are focused on helping customers overcome financial challenges because it is good business. Noble believes that treating people right and helping them improve financial stability results in far greater rewards than traditional debt collection methods.

Our employees are the key to our success. From top to bottom, every employee is expected to conduct themselves in a way that is consistent with our Seven Principles:

  1. Attitude: We believe attitude is everything and that it is contagious. Achievement of our goals depends on our shared belief that we can accomplish what others will hesitate to attempt.
  2. Customers: We value customers and treat them with respect and dignity, providing friendly, courteous, knowledgeable, and prompt service at every encounter. We seek and are driven by our customers' feedback.
  3. Integrity: We operate with unyielding integrity, obeying all laws and adhering to a stringent code of business conduct. We will not tolerate unethical or improper business conduct by anyone on our team.
  4. Judgement: What is best for the customers and what is best for our company is the same. This is the key test for every business decision we make.
  5. People: We value each member of our team and treat them with respect. We set high expectations of conduct and performance. Attitude, aptitude, intelligence, intensity, and integrity are the only criteria for growth and advancement.
  6. Fun: Fun means enjoying our work, enjoying the people we work with, and enjoying the difference we make in the lives of customers. We enthusiastically celebrate our accomplishments. We believe that success without fun never lasts.
  7. Performance: We are driven by constant improvement and to continually raise our performance. Each and every day, we must strive to do a better job than the day before. To do less is to fail. The status quo is not an option.


  1. Why pay what I owe Noble? I can't possibly pay all my bills. - Any possibility of repairing your credit starts with resolving past debts. We will work with you to pay your debt to Noble in a friendly and financially sensible way.
  2. I'm confused. What does it mean when you say that you will "work with me"? - It means exactly that. We can't ignore the debt but we can work with you to find a way to get this, and perhaps other debts, off your mind. Noble is a licensed collection agency. We believe in treating our customers with respect and dignity. We know it makes more sense to work with you.
  3. If I didn't borrow the money from you in the first place, why should I pay you? - Your creditor (either a financial institution or healthcare organization) has hired us to contact you. The debt is a legally valid obligation. It is better for you to work with us because we don't have all the restrictions of the bank or hospital and are much more flexible in working with you.
  4. Why do you need to advise me about my rights and disclosures when you call me? - Federal law requires us to tell you those things. It is part of our promise to be open and fair with you.
  5. Do I have to pay a "charged-off" debt? Doesn't "charge-off" mean the creditor is moving on and forgetting about it? - Charge-off is just an accounting term, the balance is not written-off. You remain legally responsible for the debt.
  6. If I am making payments are you charging me interest? - No. Every penny you pay goes to reduce the balance.
  7. If I get a letter from Noble, what should I do? - You should call us so that we can understand your situation. We want to work with you.
  8. What if I can't pay in full? - We offer a variety of payment plans to fit your situation.
  9. Should I just let one of those "credit counseling" or "debt settlement" companies deal with you and save me the trouble? - That is really not necessary. We are easy to work with. But, if you want to work with a credit counseling company, that is your right. If you want to work with a debt negotiation company, we can recommend one that we trust. We urge caution because many of the companies out there have had regulatory infractions. Let us point you in the right direction.
  10. What rules apply to Noble? - Noble will at all times fully comply with federal and state law. Further, we promise to treat you with dignity and respect. We pledge to conduct ourselves in a professional manner.
  11. How long does negative information stay on my credit report? - Generally, items can stay on your credit report for up to seven years. In some cases, i.e. bankruptcy, they can remain for up to 10 years.

Our Management Team

Tom Simonson
Thomas E. Simonson

President and Chief Executive Officer
Noble Financial Solutions

Tom is the President and Chief Executive Officer of Noble Financial Solutions, a wholly-owned subsidiary of Merit Financial Solutions, Inc. Tom provides the required entrepreneurial skills and insight to identify key business opportunities and then develops the implementation plan for our key growth strategies. He leads the Executive Committee.

Prior to joining Noble Financial Solutions, Tom was General Manager of the Technology, Consulting and Systems Integration Division at Unisys Corporation. Tom was responsible for the worldwide go-to-market plan, global sales organization, customer satisfaction and field operations. He had full P&L responsibility and $1.7B in top line revenue.

Prior to Tom’s position at Unisys, he was the EVP of Mainline Information Systems, a privately held IT solutions company. Before joining Mainline, Tom spent the first 21 years of his career at IBM, starting as a Marketing Representative in the Financial Services Industry and then progressing through their worldwide management development program. He held a wide variety of executive roles, including several global positions where he was responsible for diverse aspects of IBM’s business including Hardware, Software, Services and the Channel. Tom was also a member of IBM’s Senior Leadership Team, a group comprised of their most senior executives on a global basis.

Tom received his Bachelor of Science degree in Business Administration from Drexel University.

Ryan McKnight
Ryan McKnight

Chief Financial Officer
Noble Financial Solutions

Ryan McKnight is Chief Financial Officer of Noble Financial Solutions, a wholly-owned subsidiary of Merit Financial Solutions, Inc. Ryan is responsible for the administrative, financial and risk management operations of the company. His duties include the management of accounting, information technologies, investor relations, tax, and treasury departments. He oversees the finance operations of four subsidiary companies. He is responsible for ongoing development and monitoring of control systems designed to preserve company assets and report accurate financial results. He a member of the Executive Committee.

Ryan has a strong and diverse background with 20 years’ experience in accounting and auditing functions. He has served as controller for a variety of industrial segments, including manufacturing, distribution, and the energy sector. He started in public accounting, gaining invaluable experience with audit and internal control reviews. Ryan also owned his own firm providing finance, accounting and tax advisory services for small business owners.

Ryan is active in civic affairs and has served as Treasurer and Board Member for Camp Fire Green Country and has been a Volunteer Mentor for Thunderbird Youth Academy.

Ryan is a Certified Public Accountant and a graduate of Oklahoma State University with a Bachelor of Science in Business Administration.

Mike Vogle
Mike Vogle

Senior Vice President
Noble Financial Solutions

Mike Vogle is Senior Vice President of Noble Financial Solutions, a wholly owned subsidiary of Merit Financial Solutions, Inc. and is responsible for all aspects of organizing, building, and implementing our collections business. Mike’s background includes 11 years as the Director of Collections and Recovery at Dent-A-Med, Inc. (DAMI, a division of Progressive Financial/Aaron’s Inc.), managing all aspects of the collection operations, including early stage collections, late stage collections, post charge-off recoveries, and the handling of special situations. DAMI specialized in medical accounts; however, Mike also successfully managed a separate department of charged-off third party (consumer debt, i.e.: credit card) accounts.

Prior to his DAMI experience, Mike was the Credit Manager/Project Manager for NCO Financial Systems where he managed a portfolio of 4,000,000 accounts valued at $18B, where he achieved optimal results. He has broad based knowledge of all collections and recovery operations including applicable regulatory and compliance requirements. Mike has 20 years’ experience managing collection call centers, including the delivery of digital self-servicing tools.

Mike is an alumnus of the University of Oklahoma, where he earned his B.A. in Political Science.