Phase 1 is a series of 3 demand letters over a 45-day period during which the debtor is credit reported. Phase 1 is a flat fee, there is no commission taken. So everything collected goes to the client. This option is typical with large debts that are $1,000+ as you will likely spend less than 1% collecting it and will not lose any money to commission. Request a proposal to see how cheap Phase 1 could be for your business.

Phase 2 is traditional collections with calls, letters and credit reporting with a commission taken out of what is collected. Through the online system you can view the call and letter log as well as read collector notes from each call and even listen to them. The commission is based on a sliding scale system based on the age of the debt. The age of the debt is defined as the time between date of service and the placement of the debt with us. Our commission can be as low as 9%. The commission rate locks in as soon as you turn a debt over and will not change regardless of when the debt is collected. The newer the debt, the easier it is to collect. Our sliding scale system is how we translate our savings to you. Fill out a proposal request to see how much you could be saving with our sliding scale system.