Straight answers before you place an account

Nothing up front, and there is no single number — the rate is set against your portfolio rather than pulled off a rate card. Domestic and international commercial accounts run 10% to 33.3% depending on the total balance placed, the age of the accounts, how many there are, the documentation behind them, and how much investigation they need. Second placements, accounts requiring skip tracing, accounts over a year old, and balances under $250 are 35%.

Large portfolios price toward the low end, and seven- and eight-figure placements have been written well below the standard range. Whatever your number turns out to be, you will know it before you place anything.

Our collection fee is contingent on recovery. The exception is litigation: if you authorize suit, court costs and attorney fees involved in filing are your responsibility, and we tell you what those are before anything is filed.

All funds go into a trust account and are distributed on the 5th and 23rd of each month by ACH, with a statement showing every payment received on our end and yours, and a full accounting of fees.

Those dates are our standard, not a limitation. If your close, audit cycle, or lender reporting needs different timing — weekly, monthly, month-end, or matched to your own calendar — tell us and we will set your schedule to it. Special remittance dates and special handling instructions are accommodated.

If tracking commissions on payments made directly to you is awkward, we also offer split billing: we ACH what we collect and invoice you separately for our fee on what the debtor pays you.

Only if you authorize it. Most commercial accounts never reach litigation. Before recommending suit we look at the debtor’s solvency and assets, because a judgment against an empty company is an expensive piece of paper. If it does not improve your bottom line, it is not a win.

Older accounts are harder, not hopeless — but every month of delay reduces the odds. Statutes of limitation vary by state and contract type. Send us the details and we will tell you honestly where it stands.

The invoices, any signed contract, purchase orders or proof of delivery, a record of what has already been attempted, and current contact information for the debtor. The stronger the documentation, the more leverage we have.

That is a real concern and we treat it as one. Our collectors are trained in professional, respectful commercial contact, and many accounts end in a payment plan that keeps the relationship intact. If you want the account handled with particular care, tell us up front.

Yes — and not as an occasional favor. Twenty-five years of placements have left us with working counsel across most of the world: multilingual collectors, Spanish-speaking staff, and bonded, licensed attorneys drawn from the Commercial Law League of America and from the rosters U.S. consulates maintain locally. Foreign counsel works on contingency, the same as we do.

The limit is governance rather than geography. If a country has functioning courts and enforceable judgments, we can pursue there. Active conflict, collapsed civil order, or sanctions that make payment unlawful are the exceptions — a handful of countries at any given time, and we will tell you before you place the file rather than after.