Payment recovery for enterprise creditors
Turn write-offs into recoveries.
Every account worked at the same standard, regardless of balance. Charged-off receivables, unmet employee obligations, and returned checks & payments — one engine, one compliance spine.
FIVE DECADES OF EXPERIENCE · LICENSED, BONDED, INSURED · ATTORNEY-LED COMPLIANCE · CONFIGURED TO YOUR PROGRAM
Professionally managed
One engine. Multiple programs.
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, transfer rules. Our AI agents execute them under your name, and your team monitors the calls live and takes the transfer whenever an account needs a person.
Third-party recovery
Hand us the portfolio and step back. PRG becomes the collector of record and works the accounts end to end on the same engine — contingency-based, fully audited, with the file worked the way an examiner would want to see it worked.
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.
What we recover
Any type of delinquency. One compliant process.
Charged-off receivables
Delinquent and charged-off account balances across enterprise creditors, banks, and retailers — a payment stream that stopped, worked under whichever program fits the account.
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
A check or electronic payment that came back — whether it reaches us as an image cash letter, an X9 file, or a paper item — is a payment that didn't complete, not a dead balance. We work it from return through resolution.
How we recover it
The engine underneath.
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, with a live transfer to your team on request. 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.
Watch the call. Take the call.
Your team monitors calls live and takes the transfer whenever an account needs a person. Oversight stays with you — the agent handles volume, your people handle the moments that matter.
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 — first-party cure and third-party collection run 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 →Bring us the file everyone else wrote off.
A short working session — your portfolio, our engine, a tailored look at what recovery would run on it.
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