Nexa Collections

Debt Recovery

Debt Collection for Waste Management, Recycling & Environmental Services

Recycle debt collection

Why Waste & Recycling Companies Struggle With Getting Paid (And How We Fix It)

If you run a waste, recycling, or roll-off business, you already know this: picking up trash is the easy part—getting paid is harder.

Fuel, tipping fees, trucks, carts, insurance, safety… everything costs more every year. Yet many customers treat your invoices like low-priority suggestions.

Here’s what we see every day and how we help turn it around.

The AR Problems Every Hauler Recognizes

1. Roll-off jobs that never get paid
You drop a box, haul the debris, send the invoice… and once the container leaves the property, the urgency to pay disappears. After 30–60 days, those balances are on life support.

2. Residential routes with “ghost” balances
Residential customers forget, move, or quietly switch providers. A few unpaid months on a low-rate cart service don’t look like much—until you multiply that across a whole route.

3. Commercial customers playing the float
Restaurants, small shops, and even some property managers treat your invoice as “whenever we can get to it.” You see partial payments, skipped months, and endless promises.

4. Confusing bills that invite disputes
Base fee, fuel surcharge, environmental fee, contamination charges, extra pulls, special pickups… If your billing is complex but your explanation is short, people stall instead of paying.

5. Staff who are too busy to chase money
CSRs and dispatch are buried in route changes, missed-pickup calls, cart swaps, and complaints. Serious AR follow-up slides to the bottom of the list until invoices are 90+ days late and much harder to collect.

How We Help Waste Companies Recover More, With Less Friction

We work only in collections, so we can give your AR the consistent attention it never gets in-house.

  • We can collect in all 50 states and Puerto Rico

  • We use both fixed-fee and contingency programs

  • Our approach is firm but professional, protecting your brand and online reviews while still getting results

Most waste and recycling clients use Step 2 followed by Step 3:

Serving some of the biggest Waste Management Companies Nationwide
Need a Collection Agency? Contact Us

 Low-Cost Fixed-Fee Letters (Around $15 per Account- Step 2)

For newer past-due accounts (roughly 30–120 days), Step 2 is usually the best starting point.

For about $15 per account, we send up to five contacts (letters plus optional email/text) under our name:

  • Clear, professional notices referencing service dates, sites, and balances

  • Simple instructions to pay or contact us to resolve any issues

  • Enough pressure to get the honest but “slow” payers moving

Because the cost is fixed and low, you can place a large batch of accounts and quickly see who will resolve with a light push.

Contingency Collections (Typically 40% – Step 3)

For stubborn accounts—older balances, repeat offenders, higher-dollar invoices—we move to contingency collections:

  • No recovery, no fee (we typically keep 40% of what we collect)

  • Collectors who understand waste-industry issues like contamination, overages, and contract minimums

  • Respectful tone to protect your reputation, while still being direct and persistent

  • Payment-plan options and settlement when that yields more cash than “all or nothing” standoffs

This is where we work the accounts your team doesn’t have time (or patience) to chase.

Why Many Haulers Switch to Us

Companies come to us after trying to self-collect or after using another agency that treated them like “just another utility.”

They’re looking for:

  • Better recovery on 60–180-day accounts

  • Cleaner communication with customers and fewer complaints

  • A mix of fixed-fee and contingency that fits their budget

  • A partner that understands routes, carts, roll-offs, and transfer or landfill costs, not just generic invoices

If your aging report is full of old invoices from roll-off jobs, slow-pay commercial accounts, or residential routes, it’s time to change that.

A Simple Way to Start

You don’t need to overhaul your entire process on day one.

Many clients simply:

  1. Send us a test batch of older accounts their team has stopped working.

  2. Run those through Step 2 and Step 3.

  3. Compare what we recover versus what their in-house team or old agency produced.

If you like the results, we help you build a simple placement routine so every month your aging report looks cleaner, your DSO comes down, and your trucks are working for paying customers—not for free.

Stop Being a Bank: The Small Business Guide to Late Fees

Is your business accidentally financing your clients?

When you let an invoice slide 30, 60, or 90 days past due without consequence, you are essentially giving your customer an interest-free loan. Meanwhile, you are the one paying interest on your line of credit or credit cards to keep operations running.

It’s time to stop being the “nice guy” creditor and start getting paid.

Implementing a late fee policy isn’t just about collecting a few extra dollars—it’s about training your clients to respect your payment terms. Here is how to do it effectively, legally, and professionally.

1. The Psychology: Why Late Fees Work

The purpose of a late fee is not to generate revenue. If you are budgeting based on collecting late fees, your business model is broken.

The purpose is deterrence.

Most businesses pay bills based on “pain points.”

  • If they don’t pay the electric bill, the lights go out. (High Pain)

  • If they don’t pay the credit card, they get hit with 29% interest. (High Pain)

  • If they don’t pay you—and nothing happens—you go to the bottom of the pile. (Zero Pain)

A late fee moves your invoice from the “ignore” pile to the “must pay” pile.

2. The Math: How Much Can You Charge?

The standard industry rate for B2B late fees is 1.5% per month (which equals 18% APR).

  • Why 1.5%?
    It is generally high enough to be annoying, but low enough to stay under the “usury” (predatory lending) limits in most states.

  • The Flat Fee Alternative:
    For smaller consumer invoices, a flat fee (e.g., “$25 per month”) can be more effective than a percentage. 1.5% of a $100 bill is only $1.50—nobody cares. But a $25 penalty gets attention.

⚠️ Legal Warning: Usury laws vary by state. In some states, you cannot charge more than 8-10% annually without a specific contract. Always check your local state regulations before setting a rate.

3. The Execution: It Must Be in Writing

You cannot simply slap a late fee on an invoice after the fact if the customer never agreed to it. To make it enforceable, it must be part of the initial agreement.

Where to put it:

  1. The Contract: “Accounts not paid within 30 days of the invoice date are subject to a 1.5% monthly finance charge.”

  2. The Quote/Estimate: Have them sign off on the terms before work begins.

  3. The Invoice Footer: Reiterate the policy on every bill.

Sample Wording for Invoices:

“Payment is due within 30 days. Please note that a late fee of 1.5% per month (18% annually) will be automatically applied to all past-due balances. To avoid these charges, please remit payment by [Date].”

4. The “Grace Period” Myth

Should you give a grace period? No.

If your terms are Net-30, the money is due on day 30. If you allow them to pay on day 45 without penalty, you don’t have Net-30 terms; you have Net-45 terms. Be consistent. If you waive the fee every time, your policy is toothless.

5. What If They Refuse to Pay the Fee?

A common scenario: The client finally sends a check for the original principal amount but refuses to pay the accrued interest.

Decision Time:

  • The “Good Client” Exception: If this is a loyal client who slipped up once, waive the fee. Use it as a negotiation tool: “I’ll waive the $40 late charge this one time, but please note our system adds it automatically next time.”

  • The “Problem Client”: If they are habitually late, apply the payment to the interest first, leaving a balance remaining on the principal. This keeps the invoice open and past due.

6. When Late Fees Aren’t Enough

Sometimes, a late fee is just ignored. If an invoice hits 60 or 90 days past due, adding another 1.5% won’t magically make them write a check.

At this stage, you need leverage, not just math.

This is where NexaCollect steps in. We offer a smarter alternative to traditional collection agencies. Instead of giving up 30-50% of your invoice immediately, start with our fixed-fee demand service.

  • Step 1: We send official, third-party demand letters.

  • The Cost: A flat fee (starting around $15/account).

  • The Result: You keep 100% of the money recovered.

This “third-party intervention” is often the shock a debtor needs to realize you are serious—far more effective than another “past due” email from your bookkeeper.

Managing Stress when Running a Small Business

Dentist stress

Learn to let go of things you cannot control

Running a Small Business can be quite overwhelming, often causing stress, burnout and anxiety for the owners. Although employees may also experience stress, the pressure on the owner can be brutal.

American Psychological Association estimates that the U.S. economy loses more than $500 billion due to workplace stress and also increases the health insurance costs, impacting Small Businesses dearly. Managing stress is important for making the right business decisions and maintaining good personal health.

Even I have personally gone through the whole start-up business cycle (still very much into it) and I often face the complications of managing a small business. After being in relatively stable and well-paying jobs for about 20 years, I quit my last job and ventured on my own. This portal is a part of that same Small Business. Burning through my savings during the startup mode, then taking new initiatives/risks to further grow the business, hiring and retaining the right talent; then carefully planning every financial decision, brutal competition, extensively researching and partnering with good collection agencies to serve businesses like yours, all this takes time and exciting, but takes a personal toll. But self-motivation, ability to controlling the stress and reminding myself that success takes its own sweet time has kept me going fairly good. Receivicomplimentsnts from satisfied customers is personally the biggest stress buster for me.

Managing the stress while running a Small Business requires positive thinking, financial planning and lifestyle changes.

Positive Thinking

Having a bad week or complications regarding fulfillment of an order? These issues often push frustrations and negative thoughts in our brain. It happens with everyone, but it also prepares us for the tough times.

Simply recollect those ambitious thoughts when you had started this business and all the nice changes it can bring to your life. We need to constantly harness the power that comes out of positive thinking. Maintain a healthy environment, like keeping your desk clean and organized. Are you surrounded by negative and lazy people, then take appropriate action?

Managing Finances / Budgeting

Growth and expenses are like two ends of a rope with your brain in the center. Each of them pulling your brain towards itself. Faster growth could erode finances too fast; being too conservative could halt your growth.

Managing finances is by far the biggest challenge for all Small Businesses and one of the biggest causes of stress. To balance your growth trajectory, have a well-written plan and stick to it. Have a fairly good reason to alter your plan. Do not take adhoc financial decisions. Before you take a crucial decision, give your sufficient brain time to rethink it. Often an idea that sounds too good at the moment, seems to be “so-so” after a day.

Keeping your Head Cool

Outbursts can only do harm, they cannot undo what has already happened. Not meeting a target does not mean you need to get terribly upset with an employee, client, vendor, or even with yourself. Think practically, we all are humans and mistakes do happen. Why was the target not achieved, it’s possible that you are extremely bullish for a task that needs more time and resources. When things go wrong, keep your head cool and see how things could have been done differently.

Success takes time

It’s completely normal to become restless even though you may have been putting your entire energy and time into your small business. Success takes its own sweet time. May be you are missing out on introducing a feature that would make you stand apart from your competitors.

Keep Watching your Accomplishments too

Constantly focusing on things that are going wrong will obviously increase your stress by many folds. Regardless its “Big or Small”, list all your accomplishments and milestones that you have achieved success and place them on your wall. It will give you motivation, positivity and satisfaction.

Make a list and Prioritize your tasks

Getting overwhelmed with too many tasks? The best way is to write all them in the order of priority, along with an expected date of completion. Many people have a whiteboard marker in their office labeled as “Tasks to do“. I personally prefer using a “Notepad” App on my cell-phone. That “Work-to-do” list is always with me, and I can make alterations pretty much anytime-anywhere. If I need to share it with a team member, I simply “Email/WhatsApp” them.

I even have “New-Ideas” list, that I keep evaluating every now and then, but I land up deleting 95% of those newly added ideas a few days later after thinking them through.

Take a Short Refreshing Break

To minimize burnout, it is important to take short breaks. This could be as simple as going for a short walk, taking a coffee break, checking the weather outside, calling a friend, watching a video, quick stretches, a quick meditation session or even going to a nearby 7-11 store to buy a $1 lottery ticket. These short breaks are really refreshing and energizing. Force yourself not to think about your work. Your burnout level will drop significantly.

Take Care of the Most Important Asset – You!

Yes, you are the biggest asset of your business. A Small Business owner has to take critical decisions, perform or supervise tasks, pretty much everything.

Eat on time, exercise regularly, release your anxieties and frustrations. Money is often too expensive; it can take away your health. If you feel lonely, party over the weekend with your friends. Hit the gym, or swim, have a life beyond work. Productivity increases if the stress decreases.

You don’t have to say “Yes” to everything

Small Business owners are often over-used by their clients. Those never-ending small requests eating up too much of your time? Can’t say “No” due to the fear of losing them? Indeed, we do need to fulfill several of these extra demands, but if those list of demands never end or become quite unreasonable, have the courage to say “No”, backed by a solid reason. Well, unless they are ready to pay for the extra cost involved.

Outsource your aging AR to a Collection Agency

Recovering money from clients who refuse to pay on time can be really frustrating. It can eventually lead you to write those off as a complete loss in the accounting books.

Creating well-planned policies for common tasks such as recovering money from accounts over 60-90 days past due by involving a professional Debt Collection Agency. It will not only help you to recover some of that lost money but drastically reduce your stress and of your employees.

Developing systems also means you don’t have to reinvent the wheel every time you get a new client or launch a new product.

A low amount of stress is probably fine and may even motivate us to work hard, but an elevated level of stress can actually hurt you. If you do not know how to do something, get in touch with somebody who does.

Money is not everything. Success can sometimes prove to be too costly.

Collection Agency with Nationwide License: Need one?

collection agency nationwide

There are thousands of collection agencies in America, but most consumer collection agencies do not provide nationwide service. Licenses are required in almost 33 states for consumer collections, and some cities like New York City even have their own licensing standards for agencies operating within the city limits. Each state has its own licensing requirements and procedure. Some states require a physical office or a key employee in their state to be registered.

Need a cost-effective Collection Agency licensed in all 50 states? Contact Us

Broadly speaking, when this article was written, these states did not require consumer debt collectors to be licensed – Kansas, Louisiana, New Hampshire, Ohio, Pennsylvania, Texas, California, Georgia, Kentucky, Mississippi, Missouri, Montana, New York, Oklahoma, South Carolina, Vermont and Virginia.

Since the license requirements vary significantly, debt collectors need to carefully understand the laws in the state in which they are attempting to collect.

Several collection agencies take licenses in 49 states except for Massachusetts, because Massachusetts’ compliance system is complex and costly, and they partner with a local collection to still provide nationwide coverage.

A nationwide collection agency must

  • Have a thorough understanding of the Statute of Limitations for each state. Once a debt becomes older than that time frame, they may lose the right to pursue the collection activity on the debtor (consumer).
  • Should ideally perform collection activities in both English and Spanish.
  • Should have a secure client portal to handle debtors online.
  •  Be fully aware of the local time zone where a debtor is located and call accordingly, or else they risk violating the FDCPA guidelines.
  • Not all states allow recording the call without informing the debtor first.

A nationwide collection agency will be familiar with all the laws and ensure that all collection activities are compliant, reducing the risk of legal complications. Agencies with a nationwide license often have a larger network and more resources, which can make them more effective at collecting debts. Reputable nationwide collection agencies will handle debt recovery professionally, which can help maintain the business’s reputation and relationship with customers.

If you need a good nationwide Collection Agency, contact us, and we can refer you to a few good ones based on our knowledge and experience at no cost to you.

Based on our experience, a medium-sized collection can provide better collection rates, lower fees and superior customer service than its peers.

 

Collection Agency Near Me: Does the location matter?

The success of debt recovery isn’t based on a local agent’s ability to drive to an office; it’s built on a foundation of specialized expertise, regulatory compliance, and advanced technology. The best agency for you isn’t the one “down the street.” It’s the one that understands your specific type of debt.

Very Important:

  • Partnering with a less-compliant agency is a lawsuit waiting to happen.
  • Hiring a collection agency significantly differs from hiring a local Plumber, Cleaner or Mover.
  • Physical location of a collection agency really does not matter.

When your business is struggling with past-due accounts, it’s natural to reach for your phone and search for a “collection agency near me.” The impulse for a local partner is understandable—it feels more accountable, more tangible. However, in today’s digitally-driven economy, proximity is one of the least important factors in recovering your revenue.

This guide will walk you through what truly matters when selecting a collection partner and how to find an agency that will protect your brand and maximize your recovery rate.

The Myth of the “Local” Collection Agency

In the past, collections may have involved in-person visits or local court filings. Today, the entire process is managed through sophisticated data systems, secure online portals, and professional (and legally compliant) communication via phone and email.

Restricting your search to a “local” agency severely limits your options. The odds that the nation’s leading expert in healthcare collections, B2B invoice recovery, or construction liens happens to be in your zip code are virtually zero. The key is to find the right specialist, not the right neighbor.

The Single Most Important Question: B2C or B2B?

Before you evaluate any agency, you must first identify the type of debt you hold. The strategies, laws, and skillsets for collecting from an individual consumer versus another business are completely different. Many agencies specialize in one or the other, and using the wrong one can be disastrous.

1. Consumer (B2C) Collections: A World of Compliance

This involves collecting debts from individuals, such as personal credit card bills, auto loans, medical invoices, or unpaid rent.

  • The Law: This field is rigidly governed by the federal Fair Debt Collection Practices Act (FDCPA). This law dictates exactly how, when, and where a collector can contact a consumer.

  • The Strategy: The focus is on high-volume, compliance-first communication. The primary goal is to recover the debt without violating the FDCPA, as any violation can lead to lawsuits against the agency—and, in some cases, against you, the original creditor.

  • What to Look For: An agency with impeccable compliance, rigorous training, and a compassionate, “patient-first” approach, especially in sensitive areas like healthcare.

2. Commercial (B2B) Collections: A World of Relationships

This involves collecting debts from other businesses, such as unpaid invoices for services, wholesale goods, or software subscriptions.

  • The Law: Commercial debt is not covered by the FDCPA. It is governed by contract and commercial law.

  • The Strategy: The goal is not just to recover the money but to do so while attempting to preserve the business relationship. The collector must act as a professional mediator, navigating complex issues like contractual disputes, shipping errors, or simple cash flow problems. It is about high-touch negotiation, not high-volume scripts.

  • What to Look For: An agency with deep industry expertise, certified negotiators, and a professional, relationship-centric approach. Look for certifications from the Commercial Law League of America (CLLA) or the International Association of Commercial Collectors (IACC).

Your Modern Checklist: What to Look for Instead of Location

Instead of “near me,” use these four points to build your shortlist of potential agencies.

1. Specialization and Industry Expertise:
Does the agency understand your business? A generic collector will fail. You need a specialist.

  • Healthcare: Do they understand HIPAA compliance, compassionate collection, and how to navigate insurance co-pays?

  • Construction: Do they have expertise in the complex laws surrounding mechanics liens and payment bonds, which vary by state?

  • B2B/Manufacturing: Can they read a complex purchase order, understand billing disputes, and talk professionally with an Accounts Payable manager or CFO?

2. Verifiable Compliance and Certification :
Ask them directly: “How do you ensure FDCPA compliance?” (for B2C) or “Are you CLLA certified?” (for B2B). A legitimate agency will welcome this question and have a robust answer. This is your primary defense against the legal and reputational risk of hiring an aggressive or non-compliant collector.

3. Technology and Transparency:
The agency should be a technology partner. Ask to see their client portal. You should have 24/7 online access to real-time reports on every account, payment status, and collector note. If they can’t provide this, they are outdated and inefficient.

4. Collection Philosophy and Brand Protection:
Every call they make is a reflection of your brand. You need a partner who represents you with professionalism. Ask them about their collector training and their approach to difficult consumers or clients. The goal is to recover your revenue, not to burn your reputation in the process.

The True Benefits of Finding the Right Partner

When you stop searching for “near me” and start searching for “the best,” the benefits are immediate. Outsourcing to a qualified, specialized agency allows you to:

  • Improve Recovery Rates: Specialists with the right technology and training simply collect more money, faster.

  • Focus on Your Core Business: Free your team from the time-consuming and emotionally draining work of chasing payments.

  • Reduce Legal Risk: A top-tier agency invests millions in compliance, protecting you from the costly lawsuits that can arise from improper collection tactics.

  • Access Advanced Tools: You instantly gain access to expensive skip-tracing databases, data-driven analytics, and automated payment portals that you could never afford to build in-house.

The Right Partner Is the One Who Delivers Results

Your cash flow is too important to trust to the “closest” agency. It deserves to be managed by the best agency.

Nexacollect is a professional, technology-driven agency built for the modern economy. We combine a national reach with deep expertise in both consumer and commercial collections, ensuring that your accounts are handled with the compliance and professionalism your brand deserves. We provide full transparency through our secure client portal and work as a true partner to turn your overdue receivables into reliable revenue.

Contact us today for a no-obligation consultation, and let us show you the difference a specialized partner can make.

Go for a better collection agency licensed to recover money in your state regardless of their location.

Look for an agency with a higher recovery rate, follows all debt collection laws, protects your reputation during the collection process, has data protection checks in place, and offers cost-effective solutions.

Need a Collection Agency with good recovery rates? Contact Us

Serving Clients Nationwide

Debt collection offices located all across USA

 

Collection Agency for Towing and Recovery Business

Tow-recovery-collection

Past-due accounts are a significant drag for towing operators.  This hurts their cash flow and profitability. This situation arises because of dishonored checks, payment disputes, damages, or just because a car owner did not fulfill their obligation to pay as promised.

Is Your Impound Lot Becoming a Free Parking Garage?

If you run a towing or vehicle storage business, you know the reality: The lien sale is a broken system.

You tow a vehicle, store it for 30, 60, or 90 days, sending out certified letters that get ignored. By the time you finally get the legal right to auction it, the car is often a non-runner or a total loss. You sell it for scrap value—maybe $300—but the outstanding bill for towing, storage, and admin fees is $2,500.

Most towing companies write off that $2,200 difference as a loss. This is a massive mistake.

In 2024, with the FTC targeting “junk fees” and insurance companies fighting every storage invoice, relying on auctions to pay your bills is a strategy for bankruptcy. You need a recovery partner that understands Deficiency Balances and how to collect them without triggering a “predatory towing” lawsuit

The “Auction Trap”: Why Selling the Car Doesn’t Pay the Bills

The mathematics of a lien sale rarely work in your favor.

  • The Valuation Gap: You are legally required to auction the vehicle, often to the highest bidder. If that bidder is a scrap dealer, you get pennies on the dollar.

  • The “Abandonment” Mindset: Many vehicle owners want you to keep the car. They are using you as a free disposal service for their totaled or broken-down vehicle.

  • The Operational Cost: Between certified mailings, newspaper ads, and auctioneer fees, many tows result in a net negative cash flow.

Why switch to Nexa?

  • Recover the “Deficiency Balance”: State laws generally allow you to pursue the remaining balance after the auction proceeds are applied. We specialize in collecting this specific debt.

  • Stop the “Insurance Runaround”: We know how to handle insurance adjusters who delay payment hoping you’ll give up.

  • Protect Your License: With the FTC cracking down on towing practices, our strict adherence to Regulation F ensures you recover funds ethically, protecting your state operating license.

A Recovery Strategy Built for Towing & Recovery

We don’t use a generic retail collection model. We use a system designed for the unique lifecycle of an impound.

Phase 1: The “Pre-Lien” Pressure (Days 10-45)

  • The Goal: Get paid before you are stuck with a worthless car.

  • The Tool: Step 1 & 2 Flat-Fee ($15/account).

  • The Action: We send official, third-party demands to the registered owner (and insurance carrier, if applicable). This signals that you are not just a storage lot; you are a creditor who will impact their credit score.

  • The Result: Owners often pay to avoid collections, or insurance companies finally cut the check. You keep 100% of the money.

Phase 2: The “Deficiency” Pursuit (Post-Auction)

  • The Goal: Recover the $2,000+ balance left after the car is sold for scrap.

  • The Tool: Step 3 Contingency (40% fee).

  • The Action: The car is gone. The owner thinks they are free. We use skip-tracing to locate them and enforce the debt. We report the unpaid balance to credit bureaus, preventing them from financing their next car until they pay you.

  • The Result: You recover “lost” revenue that goes straight to your bottom line.

Recent Results: Real Recovery Scenarios

The “Total Loss” Abandonment (Florida)

  • The Problem: A towing firm recovered a sedan from an accident scene. The owner had no collision coverage, and the car was totaled. He abandoned it at the lot. Total bill: $3,200. Auction proceeds: $450.

  • The Fix: We pursued the $2,750 deficiency balance. Using skip-tracing, we found the owner at a new job.

  • The Outcome: Facing a credit hit that would ruin his chances of financing a replacement vehicle, the owner agreed to a monthly payment plan. The towing company recovered $2,100 of the deficiency.

The Commercial Trucking “Ghost” (Texas)

  • The Problem: A heavy-duty tower hauled a breakdown semi-truck. The trucking company (debtor) ignored the $5,800 invoice, betting the tower wouldn’t sue.

  • The Fix: We ran a Litigious Defaulter Check and confirmed the trucking company was still active and solvent. We sent Step 2 demands to their Accounts Payable department.

  • The Outcome: The trucking company paid in full immediately to avoid a “collection” flag on their Dun & Bradstreet business credit profile. Cost to client: $15.

FAQ: Navigating Towing Collections

Q: Can I really collect money after I’ve sold their car?

A: Yes. In most jurisdictions, the proceeds from the lien sale are applied to the debt. If the debt was $2,000 and the car sold for $200, the owner still legally owes you $1,800. This is the “Deficiency Balance,” and it is a valid, collectible debt.

Q: What if the debtor blocks your calls?

A: They can block calls, but they cannot block the US Postal Service. Our demand letters are delivered directly to their mailbox (or their new address via NCOA scrubbing). This creates the “paper trail” required for legal enforcement, which cannot be blocked or ignored like a voicemail.

Q: Do you handle insurance claims that are “pending”?

A: We handle the debt. If an insurance company is dragging its feet, assigning the account to us often motivates the policyholder (your customer) to pressure their insurer to pay up.

Q: Is there a risk of being sued for “Predatory Towing”?

A: Not if you follow the law. We are experts in the FDCPA and FCRA. We do not harass; we validate and enforce. By using a licensed third-party agency, you actually reduce your liability compared to having your own staff make angry demands.

Collection Letters Service
  • The upfront cost for 5 Collection Letters is about $15 per account.
  • Debtors pay directly to you, no other fees. Low-cost option.
  • Good for accounts less than 120 days past due.
Collection Calls Service
  • Contingency fee only. No upfront or other fees.
  • Agency gets paid a portion of money they recover.  No recovery-No fees.
  • Best for accounts over 120 days. A debt collector calls a debtor many times.
  • If everything fails, a possible Legal Suit if recommended by the attorney.

Turn Your “Scrap” Into Cash

Stop accepting scrap value for your hard work. Enforce your invoices and get paid for the service you provided.

Need a Collection Agency? Contact Us