Services
What we collect
We take assignment of past-due accounts and pursue them through lawful demand, negotiation, and — when you authorize it — referral for legal action.
Commercial & Business Collections
Business-to-business balances: unpaid invoices, defaulted terms, unfulfilled purchase orders, service contracts, and equipment or supply accounts.
Commercial debt is governed by a different set of rules than consumer debt, and as of July 2025 California extends some consumer protections to smaller commercial accounts. We hold the same documentation standard on every file.
Rental & Lease Debt
Unpaid rent, balances remaining after move-out, damage beyond the security deposit, early-termination amounts, and unsatisfied unlawful detainer judgments.
We work with individual owners, property managers, and multi-unit operators, and we understand what documentation a former tenant file needs to hold up.
Consumer Account Collections
Balances owed by individuals: service accounts, payment plans that stopped, retail and professional service charges, and personal loans in writing.
Consumer accounts are governed by the FDCPA and the Rosenthal Act. Every notice, call window, and disclosure on these files is handled accordingly.
Judgment Recovery
You won in court and still have not been paid. We pursue satisfaction of entered judgments, including small claims and unlawful detainer judgments.
Post-judgment work is a different exercise from pre-suit collection: the debt is established, and the question becomes locating assets and income.
Fees
How we charge
We work on contingency. There is no fee to place an account, no monthly minimum, and no charge for the initial review. We are paid a percentage of what we actually recover — if we collect nothing, you owe nothing.
The exact rate depends on the age of the account, the amount, the type of debt, and how much documentation exists. We quote it in writing before you place the account, and it does not change afterward without your written agreement.
Costs advanced for legal action — filing fees, service of process, and similar court costs — are separate from our contingency fee and are never incurred without your prior written authorization.
Placing an account
What to send us
The more of this you have, the stronger the file. Missing pieces are not automatically a dealbreaker — send what you have and we will tell you where the gaps are.
- Debtor identification. Full legal name, last known address, phone, and email. For a business, the entity name and any personal guarantor.
- The obligation. The signed contract, lease, invoice, credit application, promissory note, or written agreement.
- The balance. An itemized statement showing charges, payments received, and the current amount owed.
- Payment history. Dates and amounts of any payments made, and the date of last payment or last activity.
- Prior contact. Copies of demand letters, notices, and a summary of what the debtor has said or disputed.
- Judgment documents. If a judgment was entered, the filed judgment and case number.
One thing to check first
California debts carry a statute of limitations — generally four years on a written contract and two years on an oral one, measured from the last payment or breach. An account past that window can still sometimes be resolved voluntarily, but it changes the strategy. Send it anyway and we will tell you where it stands.
Not sure whether your account is worth pursuing?
That is exactly what the free review is for. Send the details and we will give you a straight assessment before you commit to anything.