Terms of engagement.

Last updated: October 21, 2026

1. Who we are

We, us, our: Rafferty & Maze.
You, the creditor: the business asking us to look at an unpaid invoice.
The debtor: the business that owes the invoice.

2. What we do

We recover unpaid business-to-business invoices owed by registered companies and LLCs in certain US states. We do pre-suit work only: we send demand letters, follow up, and try to reach a payment agreement. We don't contact the debtor until you have signed and agreed what we're doing.

We are not a law firm and we don't give legal advice. If you need advice on your contract or your rights, speak to a US attorney. If a case needs a lawsuit, that goes through a US attorney you choose and instruct yourself. We can tell you when we think that's the right next step, but we don't promise it or arrange it for you.

3. What you confirm

You confirm that the debt is owed by a business, that you aren't in a dispute about the work, and that you are authorized to instruct us. You will give us accurate information and tell us promptly if anything material changes.

4. Fees

No win, no fee. There's nothing to pay upfront, and nothing to pay if we don't recover anything. When we do recover money for you, our fee is a percentage of what we collect:

• 15% on debts of $5,000 to $25,000
• 12.5% on $25,001 to $100,000
• 10% above $100,000

The band is set by the amount owed when you place the case. If your contract or invoice terms allow interest or late fees, we'll include them in our demand, and our fee applies to the total we collect. We work before any lawsuit: letters, emails, calls and negotiation. If a debtor won't pay without court action, we'll tell you plainly and hand the file back so you can choose your own lawyer. Is the invoice older or disputed? Tell us first and we'll confirm the fee before you sign.

5. Checking an invoice

We check invoices free and tell you within one business day whether we can act. We may decline a matter where the debtor is an individual, sole trader or sole proprietor, where the debtor is in a state or city we don't cover, where the invoice is under $5,000, or where you want us to go to court.

6. No promised result

We don't promise a recovery. You get updates as things move.

7. Documents

We use the invoice and any contract you send only to chase the debt you've asked us about. We don't pass them to anyone except where the work needs it, and you can ask us to delete them once the case closes.

8. Ending a matter

Either party may end an instruction by written notice. Checking an invoice, or sending documents, does not commit you until you have signed the engagement terms we send.