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Is Your A/R Partner Stuck in the Past?
For a large enterprise, accounts receivable is not just “collections.” It’s a complex function of brand management, client relations, and financial strategy.
The problem? Most commercial A/R partners are still using an outdated, high-friction model. They treat valuable B2B clients with the same aggressive, one-size-fits-all tactics as a B2C collection agency.
This approach doesn’t just fail to get results—it actively damages your brand, sours multi-year client relationships, and, in a changing legal landscape, exposes your company to significant compliance risk.
The Pain Points: Why Your Old Partner Is a Liability
If you’re seeing these red flags, it’s time for a change.
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They Destroy B2B Relationships: Does your partner call your client’s AP department and make threats? This is the fastest way to destroy a six-figure-a-year contract over a single late invoice. You need a partner who understands how to negotiate with a client, not a debtor.
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They Are Legally Clueless: The old excuse that “FDCPA doesn’t apply to B2B” is dangerously outdated. States like California (SB 1286) are now applying consumer-style protections to commercial collections. If your partner isn’t aware of this, they are a direct threat to your legal standing.
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They Only Know One Speed: Your partner either sends a generic letter or sues. They have no skill in diplomacy or dispute resolution. They don’t know how to untangle a complex invoice dispute tied to shipping errors or contract terms, so they just default to aggression.
A Modern, Custom Strategy for Enterprise A/R
We are not a traditional agency. We are an A/R partner built on transparency, technology, and brand protection. Our process is methodical and designed to resolve issues professionally, escalating only when necessary.
Pre-Legal: Expert B2B Negotiation (No-Recovery-No Fee)
This is our core enterprise service, and it’s built on a custom approach.
Unlike B2C, B2B recovery is never one-size-fits-all. When you place an account, we don’t just start dialing. Our team first devises a custom recovery strategy for that specific case. This strategy is based on all available data:
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The Documents: Contracts, purchase orders, invoices, and communication logs.
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The Complexity: Is this a simple non-payment, or a complex dispute over service delivery?
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The Jurisdiction: What state laws (like California’s SB 1286) govern this specific transaction?
Only after this analysis do our expert B2B negotiators—not “collectors”—begin their work. Where clients provide strong documentation for debts less than a year old, our commercial recovery rates are typically above 80%.
Their process is diplomatic and investigative:
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File Validation & Investigation: We use the custom strategy to guide our review of all file documents. We must understand the business relationship and legal standing before we make contact.
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Diplomatic Outreach: We identify and contact the correct person (the AP manager, a VP of purchasing, or even a sales contact) to open a professional, non-threatening dialogue.
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Dispute Resolution: Our primary goal is to listen and identify the real reason for non-payment. We act as professional mediators to untangle the problem, which is the key to unblocking payment.
Legal: Vetted Legal Escalation (No-Recovery-No Fee)
If our Pre-Legal team confirms the debt is valid but the client still refuses to pay, we manage the legal escalation. The process is clear and designed for results:
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Final Demand Letter: Our legal partner will issue a formal “Demand Letter” on their letterhead. This serious, official step shows you are prepared to escalate and resolves many cases without further action.
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Filing a Lawsuit: If the demand is ignored, the next step is filing a suit in the proper jurisdiction. Our legal network handles the entire filing process.
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Securing Judgment: The goal is not just to “win” but to secure a legal judgment.
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Post-Judgment Recovery: Once a judgment is obtained, the lawyer can then work to enforce it through bank account levies, asset liens, or other legal tools to recover the funds.
Proven Results for Complex B2B Accounts
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SaaS Provider: A national SaaS company had over $450,000 in aged receivables from mid-market clients who had disputed complex contract terms. Their old agency made no progress. Our Pre-Legal team analyzed the contracts, initiated a professional negotiation, and ultimately recovering $310,000 in 60 days while retaining two of the clients.
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Logistics & Freight Co: A large logistics firm had a $220,000 disputed invoice from a major retailer. The retailer claimed service failures. Our team acted as mediators, identified the specific $30,000 in disputed charges, and successfully negotiated the immediate payment of the $190,000 undisputed balance, preserving the high-value contract.
Our recovery rates for Commercial Collections is excellent, far exceeds the national average.
Collection Priorities
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Enterprise A/R: Frequently Asked Questions
Q: Our clients are high-value partners. How do you avoid offending them?
Our B2B negotiators are trained in diplomacy. We don’t make “demands”; we open a dialogue. Because we build a custom strategy first, we identify high-value, sensitive accounts and treat them with the appropriate level of professionalism, acting as a mediator to resolve the issue.
Q: How do you minimize the risk of a counter-lawsuit?
This is a core part of our strategy. Counter-lawsuits are almost always a result of two things: aggressive, illegal tactics or a failure to acknowledge a valid dispute.
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1. We are 100% compliant: We are not an old-school ‘agency’ using threats. Our professional, documented, and diplomatic approach gives the client no ammunition. We stay on the right side of new laws like California’s SB 1286.
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2. We listen first: Our custom analysis (during the Pre-Legal stage) is designed to find the dispute. By identifying a valid service issue before we escalate, we allow you to fix it or settle it, neutralizing the client’s ability to file a countersuit.
Q: The FDCPA doesn’t apply to commercial debt. Why do you mention compliance?
This is a critical, and recent, change. While the federal FDCPA does not apply to B2B debt, states are creating their own rules. California’s SB 1286, for example, extends many consumer-like restrictions to commercial collections. A partner who doesn’t know this is a massive liability.
Q: We use a complex, custom-built ERP. Can you integrate?
Our tech platform is built for high-volume, secure file transfers (like SFTP) to make placements and reporting seamless, minimizing manual data entry for your team. You also get 24/7 access to a secure online portal to track progress and pull reports on demand.
Stop Risking Your Brand. Start Recovering Your Revenue.
Let us show you a more intelligent, effective, and professional approach to your accounts receivable.
Schedule Your Enterprise Consultation Today
Commercial collections or B2B (business-to-business) collection involves the process of collecting overdue payments from one business by another business. This is typically initiated when a business has provided goods or services to another business, but has not been paid according to the terms of their agreement.
Our recovery rates for Commercial Collections is excellent, far exceeds the national average.
What Are B2C Collections?
B2C (Business-to-Consumer) collections refer to the process of recovering unpaid bills from individual customers for goods or services. Unlike business debts, these involve personal consumers — so the process is highly regulated to protect consumer rights under laws such as the Fair Debt Collection Practices Act (FDCPA).
Because of the tighter regulations and lower recovery margins, not every collection agency handles B2C accounts. The few that do must follow strict ethical and legal standards to avoid reputational or legal risks for their clients.
Unlike B2C debt, each B2B debt is handled based on the case history and complexity of the case.
Recovery rates for B2C are good, however there are almost never as high as B2B collections.
Typical Steps in the Consumer Collection Process
1. Internal Follow-Ups:
The creditor first sends reminders and makes courtesy calls. Many debts are resolved at this stage through simple communication or corrected billing issues.
2. Formal Demand Letter:
If payment remains pending, a formal demand letter is mailed, clearly outlining the amount due, payment options, and the next steps if the account remains unpaid.
3. Payment Arrangements:
When consumers face temporary financial hardship, offering a payment plan or settlement can often lead to faster recovery and goodwill retention.
4. Engaging a Professional Collection Agency:
If internal efforts fail, a licensed B2C collection agency steps in. They use a structured, compliant approach — sending notices, making regulated phone calls, and reporting progress back to the creditor.
5. Legal Escalation (if necessary):
For significant unpaid balances, legal action may be the last resort. However, most reputable agencies aim to resolve accounts amicably before it reaches this stage.
6. Credit Bureau Reporting:
Unpaid debts can be reported to credit bureaus, which may impact the consumer’s credit score. This often motivates payment while staying within legal boundaries.
Why a Professional Approach Matters
Recovering consumer debts isn’t just about getting paid — it’s about protecting your reputation and maintaining ethical standards. A respectful, well-managed collection process ensures better recovery rates while maintaining compliance and customer trust.