How debt recovery works
Four documented steps from the moment you place an account to the moment you’re paid. First placements are worked within five business days of signing.
Placement & audit
Send accounts securely in any format. We review every placement against bankruptcy records, and confirm the right party before any contact is made.
Investigation & contact
Skip tracing locates the right party. Our specialists open a documented, compliant dialogue — by phone, letter, email, and text where permitted.
Negotiation & recovery
We work toward payment in full first, then structured settlements when needed. Every promise-to-pay is tracked and followed up so nothing slips.
Collection & reporting
Payments are received directly by you. Once the payments are confirmed, we agree on a remittance date and you send us our agreed share on that date — simple, straightforward, and with complete visibility.
You hold the money. Always.
Debtors send funds straight to your account — never through us. Once payments are confirmed, we agree on a remittance date and you forward our agreed share on that date.
Every remittance comes with an itemised statement showing each account, payment, and balance, so you keep full visibility and control at every step.
Before you place accounts
When should I send accounts to collections?
Earlier than most businesses think. Recovery probability drops sharply after 90 days past due. Most clients place accounts at 60–120 days, but we accept older inventory too — including previously worked accounts from other agencies. If your internal follow-up has stalled or the debtor has gone quiet, it’s time to place.
How and when do I get paid?
Payments are received directly by you — debtors send funds straight to your account, never through us. Once the payments are confirmed, we agree on a remittance date and you forward our agreed share on that date, accompanied by itemized statements showing every account, payment, and balance. You keep full visibility and control of the money at every step.
What information do you need from me to start?
Send accounts in whatever format you have — spreadsheet, accounting export, or PDF. For each placement we need the debtor’s name, address, and phone if available, the original creditor, account number, balance, and date of last payment. The more context you provide (contracts, invoices, correspondence), the faster we can move. We’ll guide you through any gaps.
How do I get started?
Send us a message or email us. We’ll review a sample of your receivables, quote a contingency rate in writing, and have your first placements worked within five business days of signing. There’s no minimum volume and no long-term contract — you place accounts when you need to.
Get a free recovery review
Send a sample of your receivables and we’ll return a written recovery assessment and contingency quote — free, within one business day.