Skip to main content
RecoverCollect
Creditors start here

FDCPA-aware · Bank-grade security · You pay only on recovery

Recover more of what's owed with progressive, professional collections

Place your delinquent accounts once. We run a six-letter recovery series with matching emails, give every debtor a one-click way to pay, and charge a contingency fee only on what we actually collect.

Creditors start hereDebtors pay nowSee how it works

$3,940.00

Recovered through the platform

13

Accounts under management

3

Active creditor clients

How it works

For creditors

  1. 1

    Register and get approved

    Tell us about your company and agree to the fee schedule. Approval unlocks placement.

  2. 2

    Place your accounts

    Add them one at a time or import a CSV with validation and a row-by-row preview before anything is written.

  3. 3

    Activate the series

    We schedule all six notices, generate the PDFs, and email the matching version where we have an address.

  4. 4

    Get paid

    We deduct the contingency fee from what we collect and remit the rest, with a full statement.

For people who owe

  1. 1

    Open your notice

    Scan the QR code or use the secure link printed on your letter.

  2. 2

    Confirm it's you

    Or verify with your account number, last name, and ZIP code.

  3. 3

    Choose how to pay

    Pay in full, make a partial payment, or spread it over time with Affirm.

  4. 4

    Keep the receipt

    You get a PDF receipt, and the notices stop as soon as the balance is clear.

Everything the recovery process needs

Automated six-letter series

Scheduled, escalating notices with matching email versions and configurable intervals.

Stripe and Affirm payments

Cards, bank transfer, wallets, and installment plans, with partial payments supported.

Real-time dashboards

Recovery rate, fee revenue, and remittance position for every creditor and every stage.

PDF letter generation

Mail-merge templates with QR codes, unique pay links, and version history.

Bulk CSV placement

Flexible column matching, per-row validation, and a preview before anything is committed.

Search across everything

Global search for public content plus scoped account search for staff and creditors.

Compliance built in

Validation notices, mini-Miranda, opt-out handling, and disputes that pause collections.

Encrypted and audited

AES-256-GCM for sensitive identifiers and an append-only audit log of every action.

Remittance reporting

Batch payouts, statements, and CSV export of accounts, payments, and fees.

Transparent contingency pricing

One number decides your fee: how far the account had to travel before the debtor paid. Early resolution costs you the least.

Contingency fee by letter stage
Payment received afterContingency feeYou keep on a $1,000 recovery
Letter 115%$850.00
Letter 220%$800.00
Letter 325%$750.00
Letter 430%$700.00
Letter 540%$600.00
Letter 650%$500.00

Amounts in USD. Payment processing costs are disclosed separately in your agreement.

Collections resources

All articles

How partial payments and settlements work

Partial payments keep files alive; settlements close them. When each makes sense.

Why a progressive letter series outperforms a single demand

Six escalating notices recover materially more than one strongly worded letter. Here is the mechanism.

FDCPA basics every creditor should understand

What the Fair Debt Collection Practices Act requires, and where creditor obligations begin.

Frequently asked questions

Ready to place your first accounts?

Registration takes a few minutes, and you can import your whole ledger as a CSV once approved.

Create a creditor accountTalk to us first