Everything between a past-due invoice and money in your account

Before we spend a day working an account, we find out whether there is anything to collect. That means locating the business and its principals when they have moved, renamed, or reorganized — and reviewing solvency, assets, and public filings to gauge what a recovery would actually look like.

It is also why our fee is higher on accounts requiring skip tracing: the work is real, and it is what makes the difference on files other agencies have already returned as uncollectible.

Three formats, all on RTS letterhead, sent from your office to support your in-house receivables team before formal placement:

• 10-day demand — mailed to the debtor, notifying them the account may be placed for collection if payment is not received within ten days.
• 7-day demand — mail, fax, or email, demanding payment in full within seven days.
• 72-hour fax/email demand — sent on our letterhead, requiring the debtor to call, fax, or email your firm within 72 hours to arrange terms or pay in full.

If the debtor pays within the demand window, no fee applies. If they do not respond, the account can be escalated to full collection immediately.

Accounts are worked in staged, personal collection attempts — phone, mail, and email — by collectors trained in commercial recovery. The goal at every stage is a resolution the debtor will actually honor: payment in full, a negotiated settlement, or a structured payment plan we monitor.

Communication is professional and respectful to all parties. Where a business relationship is worth preserving, we work to preserve it.

The majority of commercial accounts never reach litigation, and that is by design. When they do, we draw on a nationwide network of approved collection attorneys — included at no additional collection fee unless suit is actually filed.

Before recommending suit we analyze the debtor’s solvency and assets to determine whether the account can ultimately be collected. If it does not boost your bottom line, it is not a victory. After judgment we follow through with garnishment, liens, and asset seizure.

Typical legal procedure: attorney contact over an initial 30-day period, settlement negotiation, and — with your written authorization — progression to suit. Judgments are collected through our trust account and remitted to you on the standard schedule, with status reported throughout.

Multilingual professionals handle accounts outside the U.S., backed by a global network of bonded, licensed attorneys — members of the Commercial Law League of America, and counsel drawn from the rosters U.S. consulates maintain in their own countries. We have Spanish-speaking collectors on staff and interpreters available through our network of international investigators.

Foreign counsel is retained on contingency, the same as our domestic work. That means we can pursue a debtor wherever they reside, in front of the court that actually has jurisdiction over them, without you funding a legal campaign on speculation.

The limit is governance, not geography. Where courts function and judgments are enforceable, we can work. Where there is active conflict, collapsed civil order, or sanctions that make payment itself unlawful, we will tell you before you place the file — a handful of countries fall into that category at any given time, and the list changes.

Where it adds leverage, we use foreign embassy complaint procedures — when a complaint is filed with the embassy, a copy is sent to the debtor the same day.

Customized accounts receivable solutions for medium and large businesses: better results through proactive customer contact, improved cash flow, and preserved customer relationships — without the internal headcount or the capital investment in technology.

We work across all four stages of the receivables cycle:

• Customer acquisition — assessing credit risk through references and credit reports before the exposure exists.
• Billing management — accurate, professional invoices delivered promptly.
• Delinquency management — prioritized collection strategy that keeps the relationship intact.
• Recovery — third-party professional collection on charged-off accounts.