We offer a No Collection, No Fee service, meaning if we don’t recover your money, you owe us absolutely nothing. Our process consists of a structured three-phase approach to ensure maximum debt recovery.

Phase One

• The moment you place your account, we initiate the recovery process.
• The first of four legal demand letters is sent to the debtor via U.S. Mail.
• Our team of professional collectors will begin direct contact with the debtor.
• We will call the debtor daily for 14 to 21 days in an effort to resolve the matter.
• If these attempts fail, we escalate the case to Phase Two, where it is forwarded to an attorney in our network within the debtor’s jurisdiction.

Phase Two

• The case is sent to a local attorney in our network for legal action.
• The attorney drafts the first of several legal letters demanding payment on law firm letterhead.
• The attorney or their team will attempt to contact the debtor via phone in addition to sending legal notices.
• If the debtor remains unresponsive, we will send you a detailed report outlining the issues and our recommended next steps for Phase Three.

Phase Three

At this stage, we provide two possible recommendations:

1. Case Closure: If a thorough investigation reveals that the debtor has no assets or ability to pay, we will recommend closing the case. You owe us nothing for this determination.
2. Litigation: If legal action is a viable option, you will have a decision to make:
   • If you choose not to proceed, we will close the case, and you owe us nothing.
   • If you choose to pursue legal action, you will need to cover the upfront legal costs such as court and filing fees, which typically range from $700 to $1,200, depending on the jurisdiction.
   • Our affiliated attorneys will file a lawsuit on your behalf for the total amount owed.
   • If litigation efforts fail, the case will be closed, and you owe nothing to our firm or our attorneys.