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RecoverCollect
Creditors start here

How our collections process works

Every account follows the same transparent path: placement, a series of six escalating written notices, an easy way for the debtor to pay, and a fee charged only on what is actually recovered.

For creditors

  1. 1

    Register your company

    Provide company details, a primary contact, and your tax identifier, then accept the fee schedule. An administrator reviews and approves the registration.

  2. 2

    Place your accounts

    Add accounts one at a time, or import a CSV. The importer matches column names flexibly, validates every row, and shows a preview before anything is written.

  3. 3

    Activate the series

    Activation schedules all six notices. You can pause, resume, or push an account to the next stage at any time.

  4. 4

    Watch recovery in real time

    Your dashboard shows every account's stage, letters generated, payments received, fees deducted, and the net amount owed to you.

  5. 5

    Receive your remittance

    We deduct the contingency fee from collected funds and remit the balance with a statement you can export.

The six notices

The default cadence sends letters on day 0, day 14, day 28, day 42, day 56, day 70 after activation. Administrators can change these intervals, and the series stops automatically on payment, dispute, or a request to cease contact.

Letter 1 — Courteous notice15% fee if paid at this stage

Introduces the balance, names the original creditor, and carries the 30-day validation notice required on an initial communication.

Letter 2 — Second notice20% fee if paid at this stage

Notes that no payment or contact has been received and repeats the ways to resolve.

Letter 3 — Immediate attention25% fee if paid at this stage

Raises urgency and explicitly offers payment arrangements and installments.

Letter 4 — Escalation30% fee if paid at this stage

States that the file has escalated internally and invites contact before it advances further.

Letter 5 — Pre-final40% fee if paid at this stage

Warns that the account is being prepared for final review by the creditor.

Letter 6 — Final notice50% fee if paid at this stage

Final written communication before the file is returned to the creditor with a report of efforts.

For people who owe

  1. 1

    Open your notice

    Every letter carries a QR code and a unique link that opens your balance directly. No password is needed.

  2. 2

    Or verify yourself

    If you no longer have the letter, enter your account number, last name, and ZIP code. We never ask for a Social Security number or a date of birth.

  3. 3

    Choose how to pay

    Pay the full balance, make a partial payment that reduces the balance immediately, accept a settlement offer if one has been authorised, or spread the cost with Affirm installments.

  4. 4

    Keep your receipt

    You receive a PDF receipt, the balance updates instantly, and notices stop as soon as the account reaches zero.

Disputes and stopping contact

Filing a dispute through the portal pauses collection activity on that account immediately and cancels any remaining scheduled notices while we obtain verification. You can also ask us to stop contacting you entirely; we will honour that, though certain notices may still be legally required. Everything is timestamped and recorded in the audit trail.

Read your rights under the FDCPA

How the fee is calculated

The contingency rate is set by the highest letter stage sent before the payment arrived. A $1,000 payment received after letter one costs 15% — 150 dollars — while the same payment after letter six costs 50%. Partial payments are charged at the tier in force when each payment is received, and the tier that applied is recorded permanently on the payment.

Get started as a creditorSee the full fee table