Your rate is set by your portfolio, not by a rate card.
Most agencies quote one number no matter what you hand them. We price against the actual file — balance placed, age, volume, and how much investigation it will take. That is why our commercial rate runs from 10% to 33.3% instead of sitting at a single figure. Whatever it comes out to, you will know it before you place anything.
What we charge
| Rate | Applies to |
|---|---|
| 10–33.3% | Domestic and international commercial accounts. Where your file lands in that range depends on the total balance placed, the age of the accounts, how many there are, the quality of your documentation, and how much investigation each will take. Larger portfolios price toward the low end. |
| 35% | Second placements and difficult files. Accounts already worked by another agency, accounts requiring skip tracing, accounts more than one year old, or balances under $250. |
What moves your rate
Total balance placed and the number of accounts in it. How old they are when they reach us. Whether we have a signed contract, purchase orders, and working contact information — or have to go find all of it. Whether the debtor is domestic or abroad.
What the fee covers
Skip tracing and asset searches, multi-stage personal collection attempts, and attorney review and pre-litigation demand at no additional collection fee. If you authorize suit, court costs and filing fees are separate — and we quote them to you before anything is filed.
Large portfolios
Seven- and eight-figure placements are quoted individually and have been written well below the range above. If you are placing at that scale, call before you assume a number — the arithmetic on a large file works very differently.
How and when you get paid
All funds received are deposited into a trust account. Our standard distribution is the 5th and 23rd of each month — but that is our default, not a constraint.
Standard program
A statement with every ACH transfer, a complete breakdown of payments received on your end and ours, and a detailed accounting of fees and any difference — settled by check from RTS, or by invoice if you received more of the funds directly.
Your schedule, if you need one
If your close, audit cycle, or lender reporting requires different dates, tell us and we will set them: weekly, monthly, month-end, or aligned to your own calendar. We accommodate special remittance dates and special handling instructions — ask, and it gets built into your account.
Split billing
If tracking commission deductions gets complicated, we can separate the two streams: RTS automatically ACHs what we collect, and invoices you separately for our fee on payments the debtor made directly to you.
Have an account that has gone quiet?
Tell us the balance, the age, and what has been tried. We will tell you honestly whether it is worth pursuing — before you owe us anything.