The recovery sequence.

US commercial debt collection sits outside the Fair Debt Collection Practices Act in most respects. What remains is state law, the terms of your contract with the debtor, and the discipline of the demand. Our sequence is designed around those three realities.

Each letter carries more formal weight than the last. Each itemises what is demanded, including contractual collection costs or attorneys' fees where your agreement with the debtor provides for them, and statutory interest at the rate prescribed by the governing state. At each stage, the longer the debtor delays, the larger the total demanded becomes.

Letter I · Instruct

Preliminary demand for payment

Within twenty‑four hours of instruction, we issue a formal notice to the debtor. The letter identifies the creditor, sets out the unpaid invoice with dates and particulars, and quantifies the sum due, including any contractual collection costs and state‑prescribed interest from the original due date.

The letter offers a straightforward resolution. Payment within a short window closes the matter. The debtor is told, clearly and once, what happens if they do not.

Letter II · Escalate

Second demand, with accrued entitlements

If Letter I produces no settlement, Letter II follows approximately fourteen days later. The arithmetic is restated with the interest accrued in the intervening period. The tone is cooler. The letter names the debtor's officers and reminds them, without inflection, that directors owe fiduciary duties to the entity that are engaged when the entity withholds payment on an undisputed commercial debt.

Letter II is the point at which most remaining debtors settle. It is also the point at which many propose a payment plan. Plans of up to three months are accommodated without escalation, subject to signed terms.

Letter III · Recover

Final demand before litigation

Letter III is rarely reached. When it is, it sets out the creditor's intention to refer the matter to outside counsel admitted in the governing jurisdiction for the filing of suit. A seven‑day deadline is set for payment or for a substantive, documented dispute to be advanced.

Matters that proceed beyond Letter III are referred to our panel counsel for litigation. The creditor is consulted at every point. Most cases that reach the referral stage settle in the days that follow, once the prospect of judgment becomes concrete.

---

State coverage

We operate in states that permit commercial‑only debt collection without additional licensure or where we are registered. A small number of states require separate bonding or registration even for commercial collections. We do not accept matters against debtors domiciled in those states until registered there. We will confirm coverage on your matter at the intake stage.

Fee model

Where your contract with the debtor provides for the recovery of attorneys' fees or collection costs, our fee is added to the sum demanded and collected from the debtor. Where it does not, we work on commission at twenty percent of amounts recovered. We will tell you which model applies to your matter at intake.