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.
We don't need much from your outgoing agency to start working. Where a fuller file comes over — plans in progress, promises to pay, contact history, restriction status — we take it as it stands rather than restarting the account.
FIVE DECADES OF RECOVERY · LICENSED, BONDED, INSURED · COMPLIANCE ENFORCED IN THE DATABASE · WE TAKE THE BOOK MID-CYCLE
Where you start
Your current provider is ending, consolidating, or no longer fits. The active book transfers with the new placements — we take accounts mid-cycle, not just clean new files.
Your team has been working these internally and the volume outgrew it. Your own records come over 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.
How the work gets done
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.
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. Inbound voice and letter run the same engine. We don't place AI calls to consumers.
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
In-flight accounts land where they belong.
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.
We take whatever the outgoing agency provides and slot each account into the stage it's actually at — an account in an active plan isn't worked like a first placement. Validation runs on every account regardless, because it has to.
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 third-party agencies, bank and processor recovery programs, and in-house collections — 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