How recovery works
From failed payment to resolved account.
One recovery path, however the payment failed. Returned checks, charged-off receivables, and unmet obligations all run the same spine from intake to resolution.
- 01
Intake
A failed payment arrives however it arrives — a charged-off portfolio, an unpaid obligation, or a returned check as an image cash letter, X9 file, or paper item. We ingest the file, not a spreadsheet of leftovers.
- 02
Verify & enrich
Each item is validated, classified by party type, and enriched with current contact and remedy data before a single outbound touch.
- 03
Work the account
Voice, chat, letter, and portal run under the account's actual posture. IAR handles inbound calls and chat; our team's outreach handles outbound, within compliant windows.
- 04
Self-service resolution
Consumers resolve and pay through a self-service path — no phone tag required to make the account whole.
- 05
Monitor & redeposit
Redeposit windows, second returns, and payment posture are tracked as live states, so nothing recoverable falls through.
- 06
Report
Every account carries a full audit trail. Reporting reads the way an examiner would want it to read.
Everything above runs now, in production, on returned instruments, receivables, and employee obligations for enterprise portfolios.
Deeper integration into a creditor's own workflow — reaching further upstream toward the full delinquency lifecycle. A direction we are building toward.