DEPOSIT ACCOUNTS NEGATIVE SHARE · NSF
Overdrafts and negative share
Charged-off deposit balances and negative share accounts. Members resolve by inbound voice or chat around the clock, on their own schedule.
Credit unions
From overdrafts to RV loans, we work the entire file.
Our engine carries the volume so our collectors can work the accounts that need a person — nothing gets skipped for being too small. Each account is pursued under the resolution authority you set.
The book.
CONSUMER LENDING FDCPA · STATE LICENSING
Auto, RV, and personal loans
Deficiency balances and charged-off consumer loans, worked first party under your name while the relationship is intact and third party when it isn't. Recall any account at any time.
EMPLOYMENT STATE WAGE & LEVY LAW
Employee obligations
Sign-on bonuses, educational assistance, payroll overpayments, and former-employee balances. These originate in employment rather than consumer credit, which changes both the applicable framework and the remedies available. We work them against a state-by-state remedy map.
Built around the member.
First party under your name
Early-stage contact runs under your brand and your policies. The member's experience doesn't change.
You set where it escalates
Third party, extended, legal. Each stage is your call, and you can recall any account at any time.
Resolution around the clock
Inbound voice and chat, any hour. No member sits on hold, and your staff isn't tied up on collection calls.
Every interaction on the record
Full audit trail, transcripts retained, reporting that reads the way an examiner would want it to read.
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