Retail · Restaurant · Convenience
Employee obligations, returned payments, and delinquent receivables — usually three vendors, three reports, three headaches. PRG works all three on one engine, and you deal with one company.
Sign-on bonus clawbacks, educational assistance repayment, payroll overpayments, relocation, and balances owed by former employees. These originate in employment, not consumer credit — which changes both the applicable framework and the remedies available. We work them against a state-by-state remedy map, not a collections template.
Checks and electronic payments that came back, in whatever format your bank sends — image cash letter, X9, or paper. On most returned-payment programs, you receive the full face amount of what we recover.
Charged-off and aging customer balances, worked first-party under your brand while the relationship is intact and third-party when it isn't. Same placement, escalating posture, recall any account at any time.
Structured across the footprint
One process from corporate down to the store, whether you run forty locations or four thousand. Stores don't change anything.
Reporting you can act on
Store, region, and enterprise views. Pull what you need, when you need it, without waiting on anyone — and get summarized reporting with recommendations on what the numbers are telling you.
Transparency throughout
Current portfolio access, full audit trail on every account, every interaction on the record.
Pricing that respects the file
On most returned-payment programs, recovery carries no cost to you. Everything else is contingency — you pay on what we collect and nothing on what we don't.
Retail write-offs don't sit in one place. They sit in four, and each one usually has its own vendor.
HR & Payroll
Sign-on bonus clawbacks, educational assistance and relocation repayment, payroll overpayments, and balances owed by former employees.
Treasury & Payments
Returned checks and electronic payments, in whatever format your bank already sends.
Finance & Collections
Aging and charged-off customer receivables, first-party or third-party.
Legal & Compliance
Escalation, documentation, full audit trail, and state-specific handling on every category.
Most retailers come to us for one of these. The engine already runs the other three — same reporting, same contract, same relationship.
A single month of accounts, your rules. No prepayment, no commitment beyond the file you send. If your vendor review comes first, we'll start there — NDA, security questionnaire, and a de-identified sample format.
Send a test file