Large balance placements
Somewhere in your portfolio are the few files that will not move — a balance large enough to matter, a debtor that has restructured or gone quiet, a guarantor nobody has located, a dispute that needs a person in the room rather than a tenth letter. A volume agency hands those back, because its economics are built on queues and dialers, and a queue cannot work a claim like that. We take commercial claims of $5,000 and up, and the larger and more tangled the file, the better it fits the way we work.
What’s included
How it works
Send it the way you would hand it to a colleague: the invoices or the contract, the aging bucket it came out of, the correspondence, any personal guaranty, and what the debtor last told you. We read the file before we take it, and we tell you what we think is in there — including when the honest answer is that the balance or the age does not justify this kind of work. The fee is agreed before you place anything.
Before a demand goes out, we establish whether there is anything to reach: current bank relationships, real property, equipment, receivables, the principals personally, and any successor entity operating where the old company used to be. On a large claim that investigation is the work, not a preliminary to it. It is also what tells you whether to spend money on enforcement or close the file and take the write-off deliberately rather than by default.
Then comes contact that is harder to ignore than a letter — the principals directly, in person at the place of business when that is what the claim needs, and negotiation by someone who has worked balances this size before. If the debtor can pay and will not, the claim goes to a licensed collection attorney admitted in the debtor’s own jurisdiction. We are a collection agency, so suit, liens, and legal advice are counsel’s work and never ours.
FAQ
$5,000 on a single claim. We hold a floor because everything on this page — asset investigation, field contact at the debtor’s place of business, counsel in the debtor’s own venue — is per-account labor, and per-account labor is uneconomic on a small balance no matter who performs it. The floor is a minimum claim size, not a price: what the fee is, and how it is set, is a separate conversation and is agreed before you place anything. Below the floor you are better served by an agency built for batches, and we would rather say so than take the file.
Probably not, and you should want an agency that will tell you so. Several hundred small balances rolling out of your 90-plus aging bucket is a volume problem: it wants a dialer, a letter series, and the scheduled electronic reporting we do not produce, so that book belongs with an agency built for it. Leave the portfolio where it is. Send us the handful of claims inside it that the volume model keeps handing back.
No, and you do not have to replace anyone. Secondary placement is an ordinary, separately handled category: your primary agency keeps the portfolio and the relationship, and the claims it has closed as uncollectable come to us as a second placement. We are third-party placement only — we do not work files under your own name as a first-party extension — so nothing in your own AR process has to change, which is usually the only reason those files have been sitting in the first place.
It is agreed before you place anything, in writing, and it is set claim by claim rather than off a rate card — size, age, documentation, the debtor’s location, and how much investigation the file needs all bear on it. Remittance terms belong in that same agreement, along with how recovered funds are held before they reach you: ask for the client trust account arrangement in writing, from us or from any agency you place with. If a claim would need suit, the court costs and the attorney engagement are reviewed with you before anything is filed. You should never see a cost against a file that you did not agree to first.
Not for an ordinary commercial judgment, and an agency that tells you otherwise has not read the statute. Texas exempts current wages for personal services from seizure, with court-ordered child support as the narrow exception (Tex. Prop. Code § 42.001(b)(1)). On a business claim it matters less than it sounds, because a company has no wages — it has bank accounts, and with a judgment in hand counsel can bring a garnishment action against the bank holding them, after which the bank may not pay the funds over to the debtor (Tex. Civ. Prac. & Rem. Code Ch. 63). Where you do feel the exemption is on a personal guaranty: the guarantor’s paycheck is out of reach, even though their non-exempt property is not.
On a large claim the toolkit is most of the point, and all of it runs through counsel. An abstract of judgment recorded and indexed with the county clerk, while the judgment is not dormant, creates a lien on the debtor’s real property in that county, including property acquired there afterward, though it does not reach exempt property — so abstracts are recorded county by county, where the assets actually sit (Tex. Prop. Code § 52.001). A writ of execution sends a sheriff or constable after non-exempt property (Tex. Civ. Prac. & Rem. Code Ch. 34), and what execution cannot reach — receivables, contract rights, present or future rights to property — a turnover order can, with a receiver appointed to take and sell the property where the facts warrant it (§ 31.002). Against an operating business, garnishment of the bank accounts is usually the most direct of the four.
No, and you should hear that here rather than find it in a questionnaire. Texas does not license collection agencies at all. Finance Code ch. 392 requires a $10,000 surety bond of a “third-party debt collector,” but it defines that term by reference to the federal FDCPA (Tex. Fin. Code § 392.001(7)) and defines “debt collection” as collecting consumer debts (§ 392.001(5)) — so how it applies to an agency working commercial accounts only is a question for your counsel and ours, not a box either of us should tick casually. We carry no security certification, we are not on any certifying association’s list, and there is no portal, dashboard, API, or scheduled electronic reporting; the attorneys who file are licensed, and the recovery reporting is a person who answers the phone. If your procurement requires a certified vendor with electronic reporting, we will not clear it on paper, and that portfolio should go to an agency that will. What we have instead is more than 25 years of commercial claims, more than $250 million recovered, and more than 10,000 accounts worked — which is the kind of evidence a questionnaire has no box for.
The investigation and the negotiation are ours wherever the debtor sits. Enforcement is local by necessity, so a claim that needs filing goes to a licensed collection attorney admitted in the debtor’s own jurisdiction — nationwide through a network of licensed collection attorneys, not through offices we do not have. One note on the law while you are comparing agencies: these are commercial accounts, business owing business, so the FDCPA is not the governing statute. It reaches consumer debt, and an agency selling you FDCPA compliance as a B2B credential is citing the wrong one.
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