Accounts receivable for chiropractors is an ever-growing problem all across America. Insurance coverage is getting more restrictive, and treatments are getting costlier. Depending on which region of the USA you belong to, the unpaid medical bills issue may vary from moderate to severe. Unpaid bills from patients and reduced coverage from insurance companies can severely impact any chiropractic rehab and wellness center.

To give you an idea of how past due accounts quickly eat up into profits – If a chiropractic practice works on a 20% profit margin, say 5% of their patients do not pay, then effectively 25% of their net profit is gone. Collecting money from existing patients is more important than getting new patients.

Chiropractors generally work in small teams. Their in-house staff are neither trained nor well equipped to recover money from those hard collect unpaid bills. Therefore, the chiropractor’s office must take proactive measures to minimize accounts receivable. This includes communicating the cost to the patient in advance and insisting that he should make the payment in full on the day of treatment. For individuals who have a hard time even shelling out the insurance co-pay fees, you should reschedule their appointment as they have a higher chance of not paying for their out-of-pocket expenses anyway. To maximize cash flow, send notices to your patients more frequently than once a month. Before taking any intensive measures on your patients, ensure that there are no accounting errors otherwise, your mistake can prove costly later.

Despite all your efforts, a sizable number of patients will not clear their medical bills, with reasons as simple as forgetting to pay to more sophisticated excuses. Patients may dispute the cost of services, especially if they did not fully understand the cost at the time of service.

Instead of writing these off as bad debts, involve a good chiropractor collection agency to recover money on your behalf. Chiropractors may be a part of a large practice/hospital or running their clinic, but bad debts hurt all.

Our recommendation: Once you cannot recover a patient’s medical bill within 60 to 90 days, forward this account to a good collection agency. Delaying to act on a past-due account will make it harder to collect.

Check this: Cost of hiring a collection agency

* Services offered by a collection agency include Collection Demands, Collection Calls and Legal Action. Their representative should be able to explain which service is appropriate for you.

* Make sure that your chiropractic debt collection agency is accredited by ACA (American Collectors Association) and follows all the debt collection laws specified by the government.

* Debt collectors should be adequately trained and follow a diplomatic approach to collecting your money. They should move over to a more intensive approach if required.

* Chiropractor debt collection agency should have a 24/7 online collections portal and follow steps to secure your data. They must be HIPAA certified as well.

* Their services should be easy to use. No hidden costs or surprises. They should have adequate security, data protection measures, and certifications.

* Their collection attempts should be persistent, and to avoid any argument with debtors, the debt collectors must maintain their patience.

Contact us if you want a collection agency to recover money from unpaid chiropractor bills.

Property management is a well-paying business and a good income source for landlords. But the biggest stress for landlords, property managers, and apartment managers is collecting rent from tenants on time.

Once the rent is past due, the landlord starts evaluating whether or not he should continue his association with the tenant, pressurize him with warnings or late fees. If the rent is further delayed then should he serve an eviction notice?

Even after the tenant leaves, the property may require fixes, a painting job, and finding a new tenant. All this can lead to at least 30-60 days of further loss of rental income. A collection agency for landlords will swiftly act to recover all/maximum money from the defaulting tenant using all amicable and intensive techniques allowed legally.

Tenants often do excessive damage to the property. They are supposed to bear the cost of fixing it. Unfortunately, many tenants don’t pay, simply walk out the door and become untraceable too. Property damage costs are tough to recover.

Debt write-offs are common in the rental and property management business. But it can be minimized if landlords have a proper accounts receivable plan.

Have you already sent a late rent notice, made phone calls, even imposed a late fee, and nothing seems to be working? Or maybe the tenant has been evicted and is untraceable now. Not sure what to do next? 

Involving a Rent Collection Agency at the earliest will improve cash flow and mitigate the risk since they are experts in collecting money. That’s what the debt collectors do all day long, every single working day of their life. Very few collection agencies efficiently work in the rental default recovery segment as it is considered a tough paper to collect money.

The involvement of a rent collection agency is a game-changer. Not only can collectors use various tactics and tools, but once your tenant knows that a collection agency is involved, he knows that things have become a lot more severe. He is more likely to settle past-due rent than when the property manager was trying to handle things himself. The financial situation of a defaulting tenant deteriorates quickly. Therefore it is essential to act fast.

Landlords should hire an expert rent recovery collection agency in their best interest of landlords. Landlords will get more time to focus on your property management business while the collection agency works hard to recover your money. Always take proof of income from your tenant. Keeping communications in form of Text messages and Email is beneficial because you have written proof of what the tenant had agreed to. Verbal assurances given by the tenant to his landlord are of no use for debt collectors or the courts.

Collection Letters, Collection Calls, and Legal suits are the three primary services that collection agencies offer.

What filing a legal case against your tenant?

If home or apartment owners go to the small claims court, they may be able to recover rent, additional damages, late fees and legal fees. However, you must understand that it requires considerable time and energy and, most importantly, that you have followed all rental laws issued in your state, and you are sure that there is no chance that your tenant can sue you back ( like unhygienic or dangerous conditions of the rental unit or that he was threatened). Even with a judgment, it can get really hard to recover your money.

Tips for Selecting a good Rent Collection Agency

1. A collection agency should attempt to collect the rent diplomatically without damaging the relationship between the tenant and owner/manager. They should be well aware of debt collection laws and professionally handle all debtor excuses.

2. It should be able to perform collection activities on tenants of single-family homes, retail shops and apartments. Suppose the unfavorable financial situation of the tenant is temporary. In that case, the debt collector can negotiate and place the tenant under a payment plan so that all rental dues are settled amicably.

3. A rent collection agency should be able to provide various payment options, including online payment, PayPal and wire transfer. Collection agents should also be able to accept major credit cards and checks over the phone.

4. For eviction cases, a collection agency will go for intensive collections directly. This includes Collection Calls or a legal suit.

5. A collection agency should have an online client portal using which a property manager should be able to stop the collections activity if you want. Provide backup documentation to the debt collector when the need arises, monitor real-time performance reports and submit additional accounts online.

6. Using advanced Skip Tracing methods, a collection agency should have an effective method for tracking down tenants who have changed their address and are untraceable.

7. There should be a clear accounts receivable strategy with no exceptions. A collection agency should convey to the property managers and owners the importance of assigning the accounts early rather than repeatedly falling back on the inner feeling that the rent may get paid next month in full.

8. Should report accounts to credit reporting agencies: Experian, TransUnion, Equifax whenever needed.

9. Provide a flexible strategy for early- and late-stage (over 120 days past due). There should be no commission or contingency fee with their flat fee process.

10. No hidden costs or minimums and must have a national network of legal advisers.

By assigning the accounts to a rent collection agency on time, landlords will see an increased rate of return on their past due accounts.

These cities and nearby regions face the maximum number of defaults:
1. New York City, Manhattan, Brooklyn and Rochester
2. San Francisco Bay Area, Sacramento, Los Angeles and Glendale, California
3. Miami and Orlando, Florida
4. Province, Rhode Island
5. College Station, Dallas, Houston, and Irving, Texas
6. Boston, Massachusetts
7. Cincinnati, Ohio
8.  Washington, D.C. and
9. Philadelphia

Veterinary A/R Is Quietly Eating Your Profit – Here’s How to Take Control

Most veterinary clinics are busier than ever, yet cash flow feels tighter. On the surface, revenue looks fine. Behind the scenes, unpaid balances, broken payment plans, and “we’ll pay later” promises are quietly turning into bad debt.

Pet owners love their animals, but many are already stretched. A single emergency bill of $800–$3,000 can push even a loyal client into delay mode. If no one is consistently following up, your practice ends up acting like a bank – without any of the interest.

That’s where we come in. We help veterinary practices recover more of what they’ve already earned in a way that is polite, compliant, reputation-safe, and cost-effective.

We can collect in all 50 states and Puerto Rico.

Why Veterinary A/R Keeps Growing

A few reasons this problem keeps getting worse:

• Emergency and after-hours cases where the priority is saving the pet, not discussing payment structure. The balance gets “sorted out later” and then goes quiet.

• Estimate shock at discharge – staff don’t want to spoil an emotional reunion, so they accept a partial payment and “bill the rest.”

• Wellness plans and subscriptions with declined cards leading to lots of small, nagging balances.

• Rescue groups, breeders, and house accounts that mean well but routinely pay at 60–120+ days.

• Broken payment plans that were set up informally and never enforced.

Individually, these cases feel like one-off exceptions. Add them together, and they can easily represent 5–10% of your yearly revenue sitting in A/R – or written off.

The Cost of Waiting Too Long

In collections, timing is everything:

• Within the first 60 days after an invoice is due, you still have a strong chance of getting paid.

• After 90 days, recovery rates drop sharply as clients mentally “move on” from the bill.

• After 12 months, many balances are effectively lost.

For a practice billing $1.5 million a year, a “small” 3–5% bad-debt rate can mean $45,000–$75,000 simply disappearing from your bottom line. That’s an entire technician or doctor’s salary – gone.

Our job is to step in before accounts go cold, so more of that money actually hits your bank account.

How We Work With Veterinary Practices

We understand that you’re not just protecting revenue – you’re also protecting your name, online reviews, and long-term client relationships. Our approach is built around that reality.

What we focus on:

• Soft, pet-owner-friendly communication
  We acknowledge the emotional side of pet care. The tone is empathetic, calm, and solution-focused – never aggressive or shaming.

• Strict compliance and professionalism
  We follow all applicable debt collection rules and regulations, with strong internal quality control. That means:

  • No harassment or threats

  • Clear disclosures and documentation

  • Recorded and monitored interactions where permitted

• Modern, multi-channel outreach
  We use phone, letters, text, and email where appropriate, so busy pet owners can respond in the way that’s easiest for them.

• Flexible payment options
  We can set up realistic payment plans, offer settlements on older balances, and provide multiple ways to pay so it’s as easy as possible for your clients to resolve what they owe.

Our Pricing: Fixed Fee and Contingency Options

We keep the model simple and transparent:

• Fixed-fee services – roughly $15 for up to five contacts on early-stage accounts. This is ideal for fresher balances where a nudge from a third party is often enough. You keep 100% of what’s collected.

• Contingency services – typically 40% of what we recover on more difficult or older accounts. If we don’t collect, you don’t pay a fee.

Most clients use Step 2 (fixed-fee reminders) followed by Step 3 (contingency collections). That combination gives a powerful balance of low cost on early accounts and high effort on tougher ones, without putting more work on your team.

We can collect in all 50 states and Puerto Rico, so multi-location or multi-state clinics can keep everything under one consistent process.

Why Many Clinics Switch to Us From Another Agency

We regularly hear variations of the same frustrations:

• “Our current agency barely recovers anything on small balances.”

• “We have no idea what’s going on with our accounts once we send them.”

• “Their tone feels too harsh for our brand – we’re worried about reviews.”

• “It takes forever to get reports or clear answers.”

When clinics move to us, they typically notice:

• Better communication and reporting – clear dashboards or reports, regular updates, and easy access to information whenever you need it.

• Higher recovery on both small and mid-size balances, especially when we’re allowed to act earlier in the life of the account.

• Less internal stress – your front-desk and managers spend less time chasing overdue accounts and more time serving patients.

You’re not just outsourcing phone calls; you’re putting a structured, data-driven process behind every dollar you’re owed.

An experienced collection agency will help you recover from unpaid invoices in an amicable manner such that your clinic’s reputation is not damaged. 

A Simple Way to Get Started

You don’t have to redesign your entire billing system to see a difference. A straightforward first step:

1. Pull an A/R aging report and look at how much is over 60 and 90 days.

2. Decide a cut-off – for example, “At 75–90 days with no arrangement or broken promises, we send to collections.”

3. Set a minimum balance you’ll send (for example, $100–$150 and up) plus a rule for chargebacks and NSF items (usually sent immediately).

Once those rules are in place, we can take it from there with a predictable, respectful, and compliant workflow.

If your veterinary clinic is carrying growing A/R, or if you suspect 5–10% of your revenue is quietly turning into bad debt, it’s time to change the way you handle overdue accounts.

Reach out to us for a quick A/R review.

We’ll walk through your current numbers, suggest a practical Step 2 + Step 3 strategy, and show how a cost-effective, compliant, and highly rated partner can help you improve recovery, protect your reputation, and stabilize cash flow across all 50 states and Puerto Rico.

Printing and advertising agencies often face overdue accounts receivable because their final invoices are typically issued after the work is completed.

To maintain healthy cash flow, advertising agencies must consistently review overdue accounts and issue invoices promptly. A few clients can quickly accumulate significant unpaid bills, especially if they have hired you for multiple projects at once.

Collection agencies specialize in recovering overdue payments, allowing advertising businesses to focus on their core strengths while serving as a cost-effective extension of their operations.

Need a collection agency: Contact us 

Why do collection agencies achieve much higher recovery rates in the advertising industry?

Debt Recovery Services

Check this: Cost of hiring a collection agency.

Dental practices must hire a HIPAA compliant collection agency to recover unpaid patient bills faster and professionally without straining staff or damaging patient relationships.

For dental practices, recovering unpaid patient bills is a delicate balance. You must maintain a healthy cash flow, but you cannot risk your patient relationships or, more importantly, your legal standing with HIPAA.

Contact us for a compliant, reputation-safe recovery plan. Our high Google ratings are a testament to our patient-friendly approach.

The New Rules of Dental Billing: Compliance First

Before any account can be collected, your practice must be compliant. Recent laws have changed how patient billing works, and using a partner who understands this landscape is critical.

• HIPAA & Business Associate Agreements (BAA): As your partner, we are a “Business Associate” under HIPAA. We sign a BAA with your practice, legally binding us to protect your patients’ Protected Health Information (PHI). We only use the “minimum necessary” information (like name, balance, and dates of service) to perform our job.
• The “No Surprises Act” (NSA): This federal law is crucial. It requires you to provide “Good Faith Estimates” (GFEs) to your uninsured or self-pay patients before a service. An attempt to collect a bill that is significantly higher than your GFE can lead to disputes and legal challenges. We help you navigate collections for accounts that are fully compliant.

Best Practices for Your In-Office Team

The best collection is one that never has to be sent. We find that practices with the highest success rates follow these steps:

1. Have a Clear Financial Policy: Patients should sign a clear, simple policy stating they are responsible for all charges not covered by insurance.
2. Verify Insurance Before Treatment: Always check eligibility and benefits before the appointment to give the most accurate co-pay estimate.
3. Collect Co-pays at Time of Service: This is the easiest way to reduce post-treatment billing.
4. Send Statements Immediately: Send the final patient-responsible bill as soon as the EOB (Explanation of Benefits) is received.

When Is It Time to Send an Account to Us?

It’s time to let your staff focus on patient care when you see these red flags:

• The patient has ignored two or more statements.
• The patient has made a broken promise to pay.
• The patient is no longer communicating (“ghosting”).
• Your staff is spending more time chasing payments than serving patients.
• An invoice is 90-120 days past due. The older an account gets, the harder it is to collect.

Our Patient-Friendly Recovery Process

We offer flexible, multi-stage options. Most of our dental clients use Step 2 followed by Step 3 for the best results.

(This is practical guidance, not legal advice. We tailor our approach to your specific situation and the latest rules.)

1. Step 1 — First-Party Courtesy Reminders (Fixed-Fee)
   We act as your extension with five soft reminders for fresher balances (0–60 days), sent as if these reminders are coming from you.
   • Typical Fee: $15 per account.
2. Step 2 — Third-Party Written Demands (Fixed-Fee)
   Five professional letters on our letterhead that prompt action while preserving goodwill.
   • Typical Fee: $15 per account.
3. Step 3 — Full Third-Party Collections (Contingency)
   Persistent, polite phone and digital outreach from our HIPAA-trained specialists. We negotiate payment plans and settlements to get you paid.
   • Typical Fee: 40% of amounts recovered. No Recovery, No Fee.
4. Step 4 — Legal Collections (Contingency, Client-Approved)
   For large, unresponsive accounts, we escalate to an attorney after an in-depth review, and only with your explicit approval.
   • Typical Fee: 50% of amounts recovered. No Recovery, No Fee.

Key Benefits of Our Service:

• For Steps 1-2, payments go directly to you.
• We can collect in all 50 states and Puerto Rico.
• Free Services: We provide free bankruptcy screening, litigious debtor checks, and free address verification on all accounts.

Why Dental Practices Switch to Us

• We Protect Your Reputation: We will not harass your patients. Our goal is to find a solution, not create a conflict. We save you from negative Google and Yelp reviews.
• We Are HIPAA Experts: We are not just “HIPAA compliant”; we are experts who understand the law and can sign a BAA with your practice.
• Better ROI: Our blend of low-cost fixed-fee options (Steps 1-2) and a professional contingency service (Step 3) means you recover more, more efficiently.
• We Free Up Your Staff: Your front desk team are healthcare professionals, not collectors. Let them focus on patient care and growing your practice.

Frequently Asked Questions for Dental Practices

• What if the patient is disputing an insurance claim?

  A: We are not an insurance billing company. We only pursue the patient-responsible balance after insurance has paid or denied the claim. We will direct patients with insurance questions back to your office.

• Will you sue my patients?

  A: We are not a law firm and will never sue a patient without your explicit, written permission. Our process (Steps 1-3) is designed to resolve accounts before legal action is ever considered.

• What about credit reporting?

  A: Due to new federal rules, unpaid medical/dental debt under $500 is no longer reported on credit bureaus. We believe protecting your patient relationship is far more valuable than credit reporting, and we focus on professional, diplomatic communication to get results.

• How do we get started?

  A: It’s simple. You Contact us, we sign a Business Associate Agreement (BAA), and you can securely place accounts through our online portal.

Ready to Improve Your Practice’s Cash Flow?

Stop letting aged receivables hurt your bottom line. Contact us for a no-obligation, fully compliant quote.

We recover your unpaid patient balances quickly and professionally—while protecting your reputation and keeping patient relationships intact. With over 50% of our clients coming from the medical and dental fields, we are true HIPAA compliant specialists in the healthcare industry.

Medical office staff are frustrated with being forced into part-time debt collectors, as it distracts them from their primary responsibilities.