Commercial Debt Collection Services
From early intervention on a slipping net-30 invoice to legal forwarding for a debtor who won’t cooperate, each service is built for a different stage of delinquency.
Our “No Recovery, No Fee” model means there is nothing to pay up front and nothing to pay if we don’t recover. Our fee comes out of what we actually collect for you.
Built for commercial accounts that have gone quiet: invoices past 90 days, broken payment promises, and debtors who have stopped answering your team.
The earlier an overdue invoice is addressed, the more likely it is to be paid in full. Pre-collect steps in before an account hardens into a collection problem.
First-party and soft third-party reminders keep the tone courteous, protecting the goodwill you have built with the customer while accelerating payment.
When a debtor will not cooperate, we escalate the account to specialized commercial collection attorneys.
Before recommending legal action, we run comprehensive asset checks, so you know whether a judgment is likely to be collectible before you spend on litigation.
Case studies
The situation, our approach and the result on three commercial accounts.
#1 · Wholesale & Distribution
90%
recovered
$38,500 of $42,800
A wholesale distributor was owed $42,800 by a former customer.
After making several payment promises, the customer stopped responding to calls and emails. The creditor’s internal team had been unable to establish reliable contact.
The account was reviewed and the debtor’s current business information was verified.
Updated contact information and business records allowed communication to be redirected to the appropriate decision-maker.
Rather than immediately escalating the account, a structured payment arrangement was negotiated based on the debtor’s circumstances.
$38,500 recovered — 90% of the original balance.
The balance was resolved through a structured payment arrangement.
Key takeaway
When a debtor stops responding, accurate business information and reaching the right decision-maker can be critical to moving an account forward.
#2 · Professional Services
87%
recovered
$25,000 of $28,750
A professional services company completed a project for a commercial client but had not received payment on a $28,750 final invoice.
The client disputed the final invoice, arguing that certain project deliverables had not been completed to its expectations.
The account file was reviewed alongside the underlying service agreement, invoices, project correspondence, and delivery records.
The parties were able to distinguish between the portion of the account that was genuinely disputed and the balance supported by the available documentation.
Negotiations focused on resolving the documented balance while providing a path for the parties to address the remaining dispute.
$25,000 recovered — 87% of the original balance.
The account was resolved without immediately proceeding to litigation.
Key takeaway
Not every overdue account is simply a matter of non-payment. Understanding the underlying commercial dispute can create a clearer path toward resolution.
#3 · Transportation & Logistics
80%
recovered
$73,120 of $91,400
A transportation company had accumulated $91,400 in unpaid commercial invoices from a customer following months of delayed payments.
The customer’s accounts-payable department had become increasingly difficult to reach, and previous payment commitments had not been fulfilled.
The account history and supporting invoices were organized and reviewed before initiating a structured recovery campaign.
Communication was directed toward the appropriate financial decision-makers, with the objective of establishing the reason for non-payment and determining whether a realistic resolution could be reached.
A negotiated settlement and payment schedule were established.
$73,120 recovered — 80% of the original balance.
The account was resolved through negotiated commercial terms.
Key takeaway
A structured recovery process can turn an aging account with repeated broken promises into a defined path toward resolution.
Collection results vary based on the facts and circumstances of each account. Past results do not guarantee a similar outcome. Client names are withheld for confidentiality.
How a placement works
Send the basics through the Submit an Account form: your company, the debtor company, the amount owed and the age of the debt.
We look at the account, the debt age and your industry, then recommend the right recovery approach.
Demand cycles, negotiation and, where needed, skip tracing and asset tracking, all handled professionally in your name.
On contingency accounts, our fee comes only from what we recover. No recovery, no fee.
Questions
You pay nothing up front. Advanced Receivables works on a “No Recovery, No Fee” basis: our fee comes out of the funds we successfully recover. If we don’t collect, you don’t pay. Rates are discussed during your free consultation.
Standard contingency collections are ideal for commercial accounts more than 90 days past due. For invoices 30–60 days past due, our pre-collect service uses soft demand notices to resolve the default early.
Protecting those relationships is central to how we work. We use firm, diplomatic negotiation, treat debtors with professional respect, and handle your brand with strict reputation protection throughout the process.
Uncooperative debtors can be escalated to specialized commercial collection attorneys. We run comprehensive asset checks first, so any recommendation for legal action is based on what is realistically recoverable.
Tell us about the account. We’ll review it and recommend the right recovery approach.