Turn slow-pay into cash—without denting your brand. From Worldport & Riverport to Downtown, NuLu, St. Matthews, Jeffersontown, and Southern Indiana, we run a low-friction, high-return workflow that fits how Louisville does business. We collect in all 50 states and Puerto Rico.
Need a Collection Agency? Contact us
Why Louisville Firms Change to Us (and stay)
- Higher net recovery: start lean on fixed-fee touches for fresher balances, then step up only if needed.
- Brand-safe by design: polite, compliant conversations—better outcomes, fewer escalations.
- Baked-in risk controls: bankruptcy & litigious-debtor screens plus address hygiene included.
- Local fit: timing and tone tuned to a metro powered by global air logistics, healthcare, and manufacturing.
How We Work (fast, simple, traceable)
Practical guidance, not legal advice. We tailor to your facts and the latest rules.
- Place accounts via secure portal (CSV/API/manual).
- Pick the right entry step (we recommend based on age/amount/dispute risk).
- We engage with respectful letters/calls + compliant digital (where permitted).
- You get paid: Steps 1–2 pay straight to you; Step 3 is no recovery, no fee with clear remits.
Service Types & Pricing
- Step 1 — First-Party Courtesy Reminders (Fixed-Fee)
Five friendly nudges (0–60 days), sent as if from you. Typical Fee: $15/account. - Step 2 — Third-Party Written Demands (Fixed-Fee)
Five professional letters; limited digital where allowed. Typical Fee: $15/account. - Step 3 — Full Third-Party Collections (Contingency)
Polite phone + digital, payment plans, settlements. Typical Fee: 40%; No recovery, No Fee. - Step 4 — Legal Collections (Contingency, client-approved)
Attorney escalation only after review; nominal filing costs initiated by you and reimbursed upon recovery. Typical Fee: 50%; No recovery, No Fee.
Included free: bankruptcy screen, litigious-debtor check, latest-address check. Credit reporting available if you want and law permits.
Pro tip: Don’t wait. Newer accounts resolve faster and cheaper.
Recent Outcomes (Louisville area )
- Multi-specialty clinic (Medical District/St. Matthews): 32% resolution on 60–120-day AR via Step 2 → Step 3.
- Professional firm (East Market/NuLu): trimmed $7,800 in overdue fees with Step 2 letters alone.
- Property portfolio (Old Louisville / I-264 corridor): 31% on move-out balances using Step 3 plans.
- Membership business (Hurstbourne/Shelbyville Rd.): 34% cleared on <90-day invoices in Steps 1–2.
Actuals vary by age, docs, disputes, and prior handling.
Industries We Serve
Medical & Dental • Schools/Universities • Utilities & Municipal • Auto, Parking & Towing • Professional Services (Legal/CPA) • Gyms & Memberships • Senior Living • Home Services/Contractors • Property Management • Retail & e-commerce • Small & Large Business A/R
Kentucky Collection Law (what actually matters)
- Time to sue (written contracts): 10 years if the contract was entered on/after July 15, 2014; 15 years if before that date. Sale of goods (UCC) is 4 years. We screen and label time-barred accounts to prevent missteps.
- Wage garnishment (after judgment): in ordinary consumer debts, caps follow the lesser of 25% of disposable earnings or the amount above 30× federal minimum wage. Higher limits apply to support orders. We prioritize cooperative plans first.
- Add-ons: We seek only contract-permitted or legally allowed interest/fees—verified before first contact.
- Communications: Cadence and content aligned to federal rules and Kentucky fairness standards.
Reputation Protection (why your reviews stay strong)
- No-drama scripting: calm, options-first language on every touch.
- Dispute-pause protocol: we stop and validate before moving forward.
- Sensitive handling: workplace limits, bereavement, and language access respected.
FAQs
- Can we jump straight to Step 3?
Yes—common for >120–180-day or higher-balance accounts. - Will this strain relationships?
Our polite, solution-oriented approach preserves goodwill. - Do you operate beyond KY?
Yes—all 50 states and Puerto Rico. - Best pilot?
Send 10–50 recent accounts to benchmark quickly.
Ready to improve cash flow?
Let’s map a plan for Downtown, Highlands, St. Matthews, J-Town, Riverport, Dixie Hwy, or across the river.
Contact us — we’ll propose steps, timelines, and expected lift.
About — Louisville
- Hub: Global air logistics, healthcare, food & beverage, advanced manufacturing.
- Top anchors: UPS Worldport, Humana, Norton Healthcare, UofL Health, Ford (KTP/LAP), GE Appliances.
- Famous for: Kentucky Derby & Churchill Downs, bourbon heritage, Louisville Slugger, Big Four Bridge, vibrant NuLu/East Market scene.