Recovery programs for creditors and servicers
Pay only for results.
Returned items, employee obligations, and charged-off receivables — each worked through the stages your program calls for: first party, third party, extended, and legal. Every file worked completely, regardless of balance. You set the rules.
FIVE DECADES OF RECOVERY · BONDED & INSURED · ATTORNEY-LED COMPLIANCE · HOLD HARMLESS INCLUDED
Programs
Recovery that doesn't cost you the customer.
The right posture for each account — firm where it needs to be, restrained where the relationship still has value. You set the thresholds; we work inside them.
Returned checks & payments
Returned checks and electronic payments from every location and every online channel. You receive the full face amount of every item we recover — our compensation is the state-permitted returned-item service charge.
First-party recovery
An extension of your team, working under your brand. You set the parameters at onboarding — letter content, contact cadence, escalation thresholds, settlement authority, and where calls go. Our agents execute them under your name, with routing built to your program: to your people, to ours, or by condition.
Managed recovery
We become the collector of record and work the account from first contact through resolution — letters, inbound voice and chat, negotiation inside the authority you set, and payment taken on the call. Contingency-based and fully audited, with the file worked the way an examiner would want to see it worked.
Extended recovery
Accounts unresolved at ninety days continue here unless you recall them. Deep skip tracing, demand letters in our name, credit reporting at your election, and eligibility for legal referral. Same placement, escalated posture.
Legal recovery
Accounts that warrant counsel go to independent collection attorneys through our nationwide network — attorney demand, defense review, negotiated settlement, and suit where it's warranted. Licensed counsel direct the matter; we coordinate jurisdiction coverage, cost approvals, status, and reporting around it.
Every program is priced to the portfolio. See representative rates →
Where we fit
We're not a collections platform.
We work alongside whatever you're running — no implementation project, no seat licenses, nothing to integrate. File transfers to start. Most clients are live in days.
What we recover
Programs for any delinquency.
Charged-off receivables
Delinquent and charged-off balances across enterprise creditors, banks, and retailers — worked under the program you choose.
Unmet obligations
Sign-on bonus clawbacks, educational-assistance repayment, payroll overpayments, and former-employee balances — worked with the state-by-state remedy discipline they require.
Returned checks & payments
Returned checks, ACH returns, and lost chargebacks from every location and every online channel — worked from return through resolution wherever the customer is identifiable.
How we recover it
Finding people is most of the job.
Most accounts don't fail because the consumer refused — they fail because nobody reached them. We locate current contact data, then work every channel the consumer will actually use.
IAR — Intelligent Account Resolution
One trained agent resolves the account wherever the consumer shows up — by phone or in chat. It verifies identity, discusses the balance, negotiates a plan or settlement, and takes payment through to resolution. Same policies every account: no drift, no improvisation, no bad day. We don't place AI calls to consumers — our outreach drives them to us, and IAR finishes it.
We find people, and we reach them
Recovery starts with contact. We locate current phone, address, and identity data to reach the right party — because better contact data means more conversations, and more conversations mean more resolutions.
Your portfolio, in real time
Your team logs in to see exactly where every account stands — and generates reports on placements, payments, and results by period, on demand. Access is scoped by role, so each user sees only what they should: a single location, a region, or the whole portfolio. No waiting on a monthly spreadsheet.
Every call measured against your rules.
Interactions are analyzed against your policies and your program goals, not just regulatory minimums — failure patterns flagged and evidenced by the specific calls that show them. Our team approves each correction at the source, so one fix governs every call that follows. The agent never changes itself.
Five decades of recovery
Recovery that reads clean in an audit.
The posture shifts with the account — each program runs on the same channels, under the framework each account actually calls for. Every touch is logged. Every notice is where it belongs.
Read our compliance posture →Switching providers
We take the file as it comes.
Most outgoing agencies hand over customer information, balances, and status — not much else. We work with that. Where a fuller file arrives, we take it: plans in progress, promises to pay, contact restrictions, payment history, all carried forward rather than restarted. Nothing on your side to rebuild. Implementation runs under 30 days.
See how transitions work →Send us a file.
A test placement, your accounts, your rules. No prepayment and no commitment beyond the file you send.
Send a test file