Commercial Recovery, Explained.

Qualifying commercial accounts are handled on a contingency basis. There is no upfront recovery fee, and any applicable fee is deducted according to your signed service agreement after money is successfully recovered. Your specific fee terms are confirmed in writing before any account is worked.

Under the contingency model for qualifying accounts, a recovery fee applies only to qualifying funds that are successfully collected. If nothing is recovered on those accounts, no recovery fee is earned. Costs and exceptions, if any, are defined in the signed service agreement.

Commercial business-to-business obligations only — past-due invoices and commercial accounts receivable owed by other businesses. We do not handle consumer debt, personal debt, credit repair or debt consolidation.

Eligibility depends on the age of the invoice, the supporting documentation, the applicable jurisdiction and the circumstances of the account. Older invoices are often still reviewable, but waiting generally does not make an account easier to collect.

Accounts are handled with professional, relationship-conscious communication and the goal of resolving payment without unnecessary confrontation. We cannot promise that a customer relationship will be unaffected — that also depends on your customer's conduct.

Typically invoices, contracts, purchase orders, account statements, relevant email correspondence, proof of delivery and payment history. If some documentation is missing, a specialist can advise on what is workable.

Commercial recovery is available across the United States through our collection provider arrangements. Certain account types or jurisdictions may require additional review before an account is accepted.

Work begins after the initial review, receipt of your documentation and a signed authorization. Most reviews are scheduled promptly after a submission is received.

Accounts are reviewed individually; there is no fixed published minimum.

Yes. Multiple past-due accounts can be submitted together and are subject to the same review process.

No. This service focuses exclusively on commercial B2B accounts. If an individual consumer owes you money, we are not the right fit.