Rafferty A specialist firm. Nothing else.
We pursue one kind of matter: unpaid commercial invoices between US incorporated businesses. We do it in a way that is accurate, proportionate, and quiet.
Why we exist
US commercial debt recovery is split between shops that aggressively chase consumer debt and stumble into commercial work, and boutique firms that charge attorneys' rates for collection tasks. Neither fits a CFO who needs five thousand or fifty thousand dollars collected from a customer who has gone quiet. We were founded to occupy that gap.
Our method is a structured demand sequence issued on our letterhead. No‑win‑no‑fee, tiered by the size of the debt. Where your contract with the debtor provides for collection costs or attorneys' fees, those sums are demanded from the debtor in addition to the principal, raising the cost of late payment and strengthening the demand. Most matters are settled inside six to eight weeks.
Entity
Rafferty & Maze LLC, organized under the laws of the State of Delaware. Operating office in Manhattan, New York.
State Coverage
We operate in states permitting commercial‑only collections without additional licensure and in states where we are registered. Coverage is confirmed at intake.
Panel Counsel
Matters not resolved within the demand sequence are referred, on written client authority, to outside counsel admitted in the governing jurisdiction.
Client Money
Debtor payments are received into a client trust account segregated from our operating funds, pending remittance to the creditor.
Compliance
Our letter templates have been reviewed by counsel admitted in the states in which we operate. We do not handle consumer debt, which remains subject to the FDCPA.
Professional Memberships
NACM and CLLA membership in progress.
What we accept
We accept undisputed commercial debts owed by US corporations, LLCs, and partnerships, with a minimum balance of $2,000. We do not act on consumer debt, sole‑proprietor debt, or disputed debt of any kind. We do not make collection calls and do not visit debtors in person. Discipline matters.
What we do not do
- Consumer debt collection of any kind.
- Sole‑proprietor or individual debtor matters.
- Disputed debts where the merits are genuinely contested.
- Portfolio debt purchasing.
- Telephone harassment or doorstep collection.
How we work with you
You submit the invoice and the debtor's details through our intake form. We confirm whether we can act within twenty‑four business hours, at no charge. If we proceed, Letter I is issued the same day. You are copied on correspondence, consulted on escalation decisions, and remitted the recovered balance within ten business days of cleared funds.
Let's recover it.
Submit the invoice. We will tell you within twenty‑four hours whether we can help, and at what cost.
Submit a case