Why segmentation matters
A portfolio worked uniformly is a portfolio worked badly. Files with strong documentation against a solvent, locatable debtor deserve immediate escalation. Files against a dissolved entity with no reachable assets deserve an honest closure recommendation rather than years of activity that generates reports and no money.
We score placements at intake and re-score them as investigation returns findings. You see the reasoning, not just the outcome.
What we score on
Age
Time since default, and how much runway remains before the statute of limitations closes.
Balance
Whether the amount justifies escalation cost, particularly court costs on a legal referral.
Documentation quality
Whether the file would survive a challenge — signed contract, delivery proof, clean statement of account.
Debtor viability
Whether the entity still operates, still banks somewhere reachable, and holds anything unencumbered.
Guaranty
Whether a personal guaranty expands the set of parties who can be pursued.
Jurisdiction
Where the debtor sits, and what enforcement in that state realistically costs and yields.
What clients receive
Placement activity
Accounts placed, opened, worked, and closed, reconciled against your file.
Recovery and remittance
Amounts collected, contingency applied, and net remitted on a defined schedule.
Investigation findings
What we located on each debtor — entities, property, filings, and banking relationships.
Status changes
Disputes raised, arrangements entered, referrals to counsel, and accounts recommended for closure.
Recall and closure
Placed accounts are not hostages. You can recall any account at any time, subject to fees earned on amounts already recovered and any work in progress with counsel. The terms are set out in the placement agreement rather than left to negotiation after the fact.
- Recall any account on written notice
- Settlement authority thresholds you define at placement
- Closure recommendations with the findings that support them
- Remittance on a defined cycle with reconciled statements
Have a book of aged receivables?
We will tell you which portion is realistically recoverable before you place any of it.