Our process
Turning receivables into cash.
One recovery path, whatever the obligation. Returned items, receivables, and unmet employee obligations all run the same spine from intake to resolution.
- 01
Intake
A placement arrives however it arrives — a delinquent portfolio, an unpaid employee obligation, or a file of returned items in whatever format you already produce. 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
Accounts don't sit still. We keep watching for a new address, phone, employer, email, license, or registration — anything that opens a path we didn't have at placement. An account that went quiet in March gets worked again in June because something changed.
- 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.