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Original Articles

Commercial Collection Agency

National B2B Debt Collection - Commercial Collection Agency Experts

In this new economy that surrounds business collections (B2B debt collections). companies are experiencing high trends in debt recovery litigation and elevated costs when employing debt collection firms.

Brown & Joseph, Ltd. goes beyond the “status quo” by providing B2B debt collections with our innovative 3-phase approach, where statistics have proven to collect the most difficult account recovery situations, faster, without debt recovery litigation and costly judgment enforcement. 

Our Approach

Our 3-phase approach combines the best of all the practices employed by commercial credit risk analysis companies and commercial collection agencies that utilize outside debt litigation law firms.

Our 3-Phase Process

Our 3-phase approach combines the best of all the practices employed by commercial credit risk analysis companies and commercial collection agencies that utilize outside debt litigation law firms.

1. Credit Scoring and Asset Investigation

We obtain factual information about the debtor’s ability to pay and payment trends based on the past six quarters before we start the collection process.

2. Risk Analysis and File Segmentation Based on the Debtor’s Ability to Pay

Using the commercial credit score and commercial credit risk analysis, files are segmented and prioritized by their predictive payment trend and balance. Files are also segmented by industry and assigned to a collection team with experience in your type of business.

3. Forwarding Accounts to Attorneys for Litigation

Any file that is not recovered though our first two phases is then moved to our legal forwarding department to be reviewed for potential litigation.  With the utilization of phases 1 and 2, the actual number of files Brown & Joseph, Ltd. forwards to outside attorneys in order to litigate is less than 1/10th of one percent.

The Results

Increased bad debt collection percentages and the reduction of back-end legal costs which results in a positive effect on your bottom-line profits.

Contact us today for a no cost commercial credit risk analysis on your bad debt collections portfolio.