Recovery programs for creditors and servicers
Every account matters.
Complete work on every file, regardless of balance. Returned items, first-party, managed recovery, extended, and legal — matched to where the account is and how you want it handled. You set the rules, and you pay for results.
FIVE DECADES OF RECOVERY · BONDED & INSURED · ATTORNEY-LED COMPLIANCE · HOLD HARMLESS INCLUDED
Programs
Matched to where the account is.
A returned check is not a charged-off balance, and neither is a payroll overpayment. Each account type gets the program it actually needs.
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. Items reach us as image cash letters, X9 files, or paper.
First-party recovery
An extension of your team, working under your brand. You set the parameters at onboarding — letter content, contact cadence, escalation thresholds, settlement authority, and where calls go. Our agents execute them under your name, with routing built to your program: to your people, to ours, or by condition.
Managed recovery
We become the collector of record and work the account from first contact through resolution — letters, inbound voice and chat, negotiation inside the authority you set, and payment taken on the call. Contingency-based and fully audited, with the file worked the way an examiner would want to see it worked.
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.
Legal recovery
When an account calls for suit, we place it with independent collection attorneys through our managed nationwide network and coordinate the matter end to end — jurisdiction coverage, cost approvals, status, and reporting. Licensed counsel direct the litigation; we manage the workflow around it.
Every program is priced to the portfolio. See representative rates →
Where we fit
We're not a collections platform.
You already have a system. We work alongside it — no implementation project, no seat licenses, no integration into your core. Send a file, get a file back. Most clients are live in days.
What we recover
Every type of delinquency. The program each one needs.
Charged-off receivables
Delinquent and charged-off account balances across enterprise creditors, banks, and retailers — a payment stream that stopped, worked under the program you choose.
Unmet obligations
Sign-on bonus clawbacks, educational-assistance repayment, payroll overpayments, and former-employee balances — payments that were owed and never made, worked with the state-by-state remedy discipline they require.
Returned checks & payments
Items reach us as image cash letters, X9 files, or paper — from a single returned item to a daily file. We work them from return through resolution.
How we recover it
The work behind the number.
Recovery is a data problem and a contact problem before it is a collection problem. We built for both.
IAR — Intelligent Account Resolution
One trained agent resolves the account wherever the consumer shows up — by phone or in chat. It verifies identity, discusses the balance, negotiates a plan or settlement, and takes payment through to resolution. Where a call goes when it needs a person is part of the program design — your team, ours, or by condition. Same policies every account: no drift, no improvisation, no bad day. We don't place AI calls to consumers — our outreach drives them to us, and IAR finishes it.
We find people, and we reach them
Recovery starts with contact. We locate current phone, address, and identity data to reach the right party — because better contact data means more conversations, and more conversations mean more resolutions.
Your portfolio, in real time
Your team logs in to see exactly where every account stands — and generates reports on placements, payments, and results by period, on demand. Access is scoped by role, so each user sees only what they should: a single location, a region, or the whole portfolio. No waiting on a monthly spreadsheet.
Calls go where your program sends them.
Escalations route to your team, to ours, or by condition — dispute, settlement request outside authority, bankruptcy, attorney representation. You set it at onboarding and change it whenever the program changes. When your team wants oversight, they can monitor live and take the transfer themselves.
Every call reviewed. Not a sample.
Interactions are analyzed against your policies — failure patterns flagged and evidenced by the specific calls that show them. Our team reviews every finding and approves the correction at the source, so one fix governs every call that follows. The agent never changes itself.
Five decades of recovery
Recovery that reads clean in an audit.
The posture shifts with the account — each program runs on the same channels, under the framework each account actually calls for. Every touch is logged. Every notice is where it belongs.
Read our compliance posture →Send us a file.
A test placement, your accounts, your rules. No prepayment and no commitment beyond the file you send.
Place accounts