Transitions & onboarding
Leaving a vendor, bringing a program back in house, or placing for the first time — every program starts here. Implementation runs under 30 days.
And nothing already in motion gets dropped: plans in progress, promises to pay, contact history, restriction status, intact from day one.
FIVE DECADES RECOVERING RETURNED INSTRUMENTS · LICENSED, BONDED, INSURED · COMPLIANCE ENFORCED IN THE DATABASE · THE ACTIVE BOOK COMES WITH YOU
Where you start
Your current provider is ending, consolidating, or no longer fits. The active book transfers with the new placements — nothing is stranded mid-cycle.
Your team has been working these internally and the volume outgrew it. We take the history with the accounts, so nothing restarts at zero.
First placement, or a new book you haven’t worked before. Configuration, notice language, and state fee handling set up before the first account moves.
What changes
What doesn't
Onboarding
We connect to what you already run.
Banks and treasury workflows. Retail cash-management and back-office reconciliation platforms. Core banking and payment processors. Collection and recovery systems. Accounting and ERP.
Image cash letter, X9 return, fixed-width extract, system-to-system, API, paper. If a format exists in this industry, we’ve onboarded it — and a format we haven’t seen is a configuration, not a project.
Onboarding is our problem, not yours. You don’t build to a spec. Implementation runs under 30 days.
Tell us what you’re placing and when you place it. If you’re considering placing earlier — precollect, first-party, before charge-off — that’s the same conversation.
When a client needs a direct connection into their core platform, we build it. That’s how the existing ones got built.
Both sides of the account
Your portfolio, live. Vintage recovery by cohort, account-level lookup across the whole book, suspend or reactivate an account yourself, reports generated on demand with PII release behind an approval gate.
Your team stops emailing an account rep to ask where things stand.
The consumer’s side. AI chat that verifies identity, answers the question, resolves the account inside your resolution policy, and takes payment at 2 a.m. on a Sunday. AI voice and letter run the same engine.
Disclosed as AI on every interaction. Full transcript on every account. Never outside the resolution authority you set.
What the consumer does shows up in your portfolio the moment it happens — not in next month’s file.
Vendor risk
This section is written for the vendor-risk review. Factual, unadorned.
Compliance is enforced in the database, before any message goes out.
Contact restrictions, cease-and-desist, disputes, holds, and resolution authority are checked at the data layer. Enforcement doesn’t depend on an AI behaving correctly, or on a collector remembering a script.
Techniques improve. Behavior doesn’t drift.
We analyze results continuously and test new approaches champion/challenger against the current one. Nothing reaches your accounts until it’s been evaluated and released. The system does not learn from consumer conversations in production.
Every change is a release.
Versioned, reviewed, dated. We can tell you what changed, when, and why — which is not something a model that retrains on live traffic can do.
Resolution authority is yours.
Offers, plans, and any compromise run inside limits you configure per client. The system cannot go outside them.
Attorney-led compliance.
Policy, notice language, and escalation posture are set by counsel, not adapted from a vendor template.
AI is disclosed.
Every automated interaction identifies itself, in every channel, in every state.
Full transcript on every account.
Chat is self-documenting. Voice is recorded and retained.
Every placement is worked by a licensed agency or attorney in the jurisdiction where the account sits.
Bonding, insurance, and licensing detail on request.
The in-flight portfolio
The accounts already in recovery are the ones nobody else will take.
A program ending mid-cycle strands every account currently being worked. Payment plans in progress. Promises to pay already made. Consumers mid-conversation. Balances partially recovered. Most replacement vendors won’t touch them — they want clean new placements.
The active book comes with the new one. Chain of title, payment history, prior contact record, and restriction status carry over intact. The consumer who set up a plan last month keeps that plan, and hears from us on the same schedule.
Implementation
What you place, when you place it, and where it comes from.
Resolution policy, fee handling by state, notice language.
We conform to how you already send. No build on your side.
We ingest alongside your current provider before anything cuts over.
New placements and the active book, the same day.
Client Intelligence Center access for your team.
Transitions we support
We support transitions from Complete Payment Recovery Services (FIS), TeleCheck, Certegy, other third-party agencies, and in-house recovery programs — as well as first-time placements.
Account types, volumes, and when you place them. If you’re considering placing earlier — precollect or first-party, before charge-off — that’s the same conversation.
No contract, no commitment, and no file required to have it. Implementation runs under 30 days from there.
Start a transition review