JSD Management Inc.Commercial B2B collections and receivables recovery.
Most receivables aren't lost at 90 days. They begin slipping earlier, even when teams are following up and doing what they should.
Between 30 and 60 days, accounts stop behaving normally. That is often where leverage thins, long before collections begin.
We support credit and AR teams across the full recovery cycle, stepping in early when optionality still exists, and later through structured escalation and post-90 day B2B collections when internal recovery has reached its limit.
IACC Member
BBB A+ Rated
CLLA MemberWhere we step in
Our work supports credit and finance teams at the points where intervention still matters, and where escalation becomes necessary. We engage across the receivables lifecycle, from early risk management through structured commercial collections and legal coordination.
A/R Management
Support earlier in the receivables process, including follow up structure, portfolio visibility, and ongoing account oversight.
- Pre-collect programs
- Early intervention strategies
- Complete A/R outsourcing
Legal Services
Coordination of legal forwarding through an established attorney network, including documentation handling and case management through resolution.
- Attorney referral network
- Legal forwarding services
- Full indemnification protection
When to place an account
Accounts are often placed after internal efforts have been exhausted. By that point, momentum has slowed and options are limited.In most cases they change gradually through missed commitments, shifts in communication, and unresolved issues that accumulate over time.
Seeing those patterns earlier preserves leverage and keeps more paths available.
We've documented the most common signals we see in Vital Warning Signs, an interactive checklist designed to be used throughout the receivables lifecycle. It helps teams review accounts consistently as conditions change.
View Vital Warning SignsIf you're already seeing these patterns and want to talk through next steps, our team can help you assess the right timing.
Speak with our team
Example risk assessment summary
How clients work with us
Every account comes with its own constraints and history.
Our role is to help businesses move receivables forward in a way that preserves value and limits unnecessary loss. We work with clients at different stages of the receivables process, including early intervention and post-90-day commercial collections.
Restoring stalled accounts
Some accounts lose momentum because communication breaks down or expectations are unclear. We re-establish contact, coordinate payments or reinstatements, and manage follow-up so accounts can return to normal payment behavior when possible.
Commercial collections and recovery
When balances pass 90 days and internal efforts stop producing results, we take over direct collection activity. This includes structured outreach, documentation, account evaluation, and ongoing communication with both the client and the debtor.
Handling additional recovery steps
Certain situations require further action. We coordinate equipment pickups, skip tracing, attorney referral, and legal escalation based on the account history and the outcome the client is seeking.
Client Testimonials
Real feedback from businesses who trust JSD
"I want to express my heartfelt appreciation for your continued support and guidance. Your assistance has been instrumental during this critical phase, and I am deeply grateful for your unwavering commitment. I genuinely consider myself indebted to you, not just for your professional help, but for the trust and encouragement you have consistently shown."
"We are a business to business catalog sales company that generates volumes of smaller, under $1000 accounts but with very sketchy and usually unverified ownership information and yet the collection specialists at JSD manage to collect a great majority of the accounts we turn over to them."
"Everyone we have had contact with at JSD has been very professional. We feel this professional demeanor has been key to the high rate of accounts collected for us. Our customers expect a certain level of professionalism even when in collections. JSD and our account manager have exceeded our expectations and we are pleased to provide a reference for them."
"Please be advised that they came by and paid in full Friday. Thank you so much for your help. You did in one week what we have not been able to do for five (5) months."
"After having had a few horrific experiences with past agencies I was able to find JSD, in which they have collected on 3 accounts that I had completely written off."
Our Mission
"To bring a new standard of respect, ethics and integrity to the tarnished reputation of the commercial collection industry. This will be achieved through the recruitment of intelligent, ethical, and expert staff to serve our clients, utilizing technology that will establish a new industry standard. Ultimately, our focus on rate of recovery and client service will become the benchmark for everyone in the industry, and will be the standard by which they will be judged."
Founded on Experience & Excellence
Over 28 years strong. Few in our industry can say that, and even fewer can still explain why. We've lasted because we deliver results the right way, year after year.
In 1997, Kelly Hedrick founded JSD Management Inc. dba James, Stevens & Daniels with a vision born from frustration. After witnessing the decline of professionalism and personalized service in the collections industry, she assembled a team of the industry's top performers, made up of people who shared her commitment to doing things the right way.
Today, that same team continues to work together, bringing decades of collective experience to every account. Our Sales Director brings over 30 years of industry expertise, while our Collections Manager has an equally impressive 35 years of hands-on collection experience.
Built on Proven Foundations
Our original identity represents the timeless principles that continue to guide our work today.
What sets us apart isn't just our longevity, it's our consistency. The same core team that built our reputation is still here, working with clients every day. We bring decades of real-world experience to the table, using today's technology to get better results without losing the human touch. Every debtor is treated with respect, because we believe professionalism and strong recovery don't have to be at odds.
Our Team's Core Strengths
Strong Negotiators
Clear communication that preserves customer relationships
Universal Knowledge
Deep understanding across diverse business sectors
Fearless Problem-Solving
Persistent pursuit of solutions for every challenge
Passionate Excellence
Individual passions united for client success
Experience Range: 6–36 years in collections per team member
Our Journey
1997 – The Beginning
Kelly Hedrick founded JSD with a mission to restore professionalism to commercial collections
Early 2000s – Building Excellence
Assembled our core team of industry veterans and established our ethical collection standards
2010s – Technology Integration
Merged cutting-edge technology with our proven personal approach
Today – Still Growing Strong
28+ years later, the same team continues to deliver exceptional results for clients nationwide
Frequently Asked Questions
Common questions about our collection process and services
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Call Us
(302) 735-4628Email Us
info@jsdinc.netOur Office
1283 College Park Drive
Dover, Delaware 19904
Service Area
Professional Collection Services
Licensed, Bonded & Insured Nationwide
Professional Memberships & Accreditations
Professional Member
International Association of
Commercial Collectors
BBB Accredited Business
A+ Rating
Better Business Bureau
CLLA Member
Collection Agency