What we recover
A charged-off balance, an unpaid employee obligation, a check that came back — three different legal frameworks, three different remedy paths. All three run on one engine and one compliance spine.
FIVE DECADES OF EXPERIENCE · LICENSED, BONDED, INSURED · ATTORNEY-LED COMPLIANCE · CONFIGURED TO YOUR PROGRAM
Charged-off and delinquent balances for enterprise creditors, banks, and retailers. Outreach runs across voice, chat, letter, and portal under the regulatory framework the account actually sits in — first-party cure when the relationship is intact, third-party collection when it is not.
The consumer sees one coherent process; the compliance posture underneath adapts to the account.
Sign-on bonus clawbacks, educational-assistance repayment, payroll overpayments, relocation, and former-employee balances. These obligations often originate in employment rather than consumer credit, which changes both the applicable framework and the available remedies.
We work them with a state-by-state remedy map — where wage garnishment is available, where a bank levy is the primary path, where a separate order is required each pay period — rather than a one-size template.
You receive the full face amount of every item we recover. Our compensation is the state-permitted returned-item service charge, so qualifying programs carry no contingency cost. The item reaches us however it comes — an X9.100-187 image cash-letter file, an X9 return, or a paper item — and we work it to resolution or informed write-off rather than treating it as a closed loss.
The item is followed from the file forward — redeposit windows, second returns, and party-type classification handled as first-class states rather than exceptions, so nothing recoverable is quietly abandoned.
The same three obligations look different depending on what you run.
Most enterprises split these across separate vendors and separate reporting. We'll map yours in a single view.
Request a proposal