Pricing
Representative programs.
These are structures we run today, at the rates we typically charge for them. Your program is built from your portfolio — size, average balance, age at placement, and obligation type all move the economics, and we price to what the file supports.
Returned Checks & Payments
A check or electronic payment that came back is a payment that didn't complete, not a dead balance. You receive the full face amount of every item we recover. Our compensation is the returned-item service charge permitted in the state where the item was taken — so there's no contingency rate and no invoice. Items reach us as image cash letters, X9 files, or paper.
Managed Recovery
We work the account from first contact through resolution. Letters go out, and when the consumer responds, we answer — voice or chat, around the clock. We verify identity, discuss the balance, and negotiate a plan or settlement inside the authority you set: settlement floor, plan length, minimum payment. Payment is taken on the call and settles to you. You pay a percentage of what we collect and nothing on what we don't.
Letter Service
For creditors who handle collections in-house and only need third-party letters. A demand series in your name, your phone number on the letter, payments direct to you. Billed monthly on letters mailed — no prepaid blocks, no minimum order, no expiration clock. If the account later recovers in Extended Recovery, the fee is refunded.
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. Still contingency — recall any account, any time.
Legal Recovery
Accounts that call for suit are referred to independent collection attorneys through our managed nationwide network. Licensed counsel direct the litigation; we coordinate the workflow — jurisdiction coverage, cost approvals, status, and reporting. Priced by matter, jurisdiction, and cost structure, and quoted at placement.
What moves your rate
PORTFOLIO SIZE · AVERAGE BALANCE · AGE AT PLACEMENT · OBLIGATION TYPE
Already worked and returned
Accounts another agency gave back.
Send us what came back →Returned files are a different problem — aged, already contacted, and picked over. We take them, and we work them the same way we work everything else. Typically 35%, contingency-based like every other program.
Included in every program
- —No prepayment on any program
- —Mutual hold harmless in every agreement
- —Real-time portfolio access through the Client Intelligence Center
- —Full audit trail on every account
Send us a file.
A test placement, your accounts, your rules. No prepayment and no commitment beyond the file you send.
Place accounts