Commercial Collection Agency
Commercial Collection Agency
Receivables stall before 90 days.We move them.
JSD Management provides professional B2B collections, from single placements to high-volume portfolios, nationwide and internationally.
JSD Management provides professional B2B collections for unpaid invoices and past-due commercial accounts, from single placements to high-volume portfolios nationwide and internationally.
In most cases, all we need is the invoice and the customer's contact information.
No upfront cost. If nothing is recovered, you don't pay us. How fees work →
Trusted by Fortune 500s and family-owned businesses alike since 1997.
Track Record
Accepting new placements
Placed on behalf of commercial clients since 1997.
Companies supported
Accounts managed
29+ years · IACC member · BBB A+
Placed
Companies
Accredited
Member
How We Move Accounts Forward
From stalled to recovered.
When internal follow-up stops getting responses, we step in with a different approach. Our goal is simple: recover what you're owed while protecting the relationship where possible.
Explore commercial collection services- Same day
We get our bearings.
We review the balance, paperwork, terms, and customer history before the first call goes out.
- 1 to 30 days
We reach the decision-maker.
We find the person who can authorize payment and move the receivable back to the top of the list.
- Through resolution
We protect the relationship where possible.
We work toward payment in full or a workable plan, document disputes, and keep the process professional.
You stay in the loop.
We keep you informed with clear updates, copies of any payments, and documents that matter, so you always know where things stand.
- No recovery, no fee
- Trust account for client funds
- IACC Sustaining Member
- CLLA certified team member
- Direct access to our team
Engagement
How clients work with us.
We read the contracts, learn what you sell, and build that familiarity over time.Every B2B account comes with its own history. We read the contracts, learn what you sell and how your process works, and build that familiarity over time. We can step in at different stages, from restarting stalled accounts to post-90-day commercial collections and further escalation when needed.
Primary Service
Professional B2B collections
When internal efforts stop producing results, we take over direct collection activity with structured outreach, documentation, account evaluation, and ongoing communication.
Curious what that actually looks like day to day? See how working with JSD actually works, from what we need to open a file through when remittances go out.
Client Feedback
What clients say about working with us.
Featured Quote
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.
More From Our Clients
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.
I realize the collections process is never a pleasant one, either for the collector or the debtor. I can only speak to my experience with JSD, which was overall a good one. They helped us collect a debt from a client that had disappeared for over five months after we produced and delivered custom merchandise for them. After many lost hours trying to collect the debt ourselves, we employed JSD's services and they were able to recover our funds. Alan and his team were a pleasure to work with, and we'll certainly be contacting them again if we're unable to collect payment from another client in the future.
29+ Years in Business
Serving clients nationwide since 1997
Thousands of Clients
Across industries nationwide
Compliance Focused
IACC member, CLLA certified team member
No Recovery, No Fee
You only pay when we collect
About JSD
Founded on experience and excellence.
Over 29 years strong. Same ownership, same standards, since 1997. We've lasted because we deliver results the right way, year after year.
Founded in 1997 by Kelly Hedrick, JSD built its reputation on professionalism and results. Trusted by Xerox, GE, Microsoft, TechTarget, the USDA, and thousands of other businesses to recover what they are owed.
In 1997, Kelly Hedrick founded JSD Management Inc. with a vision born from frustration. After witnessing the decline of professionalism and personalized service in the business-to-business 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 commercial debt collection experience.
Over the years, JSD has been trusted by Xerox, GE, Microsoft, TechTarget, and thousands of other businesses to recover what they are owed from their customers. We have also represented U.S. federal agencies, including the United States Department of Agriculture (USDA). The accountability those relationships demand is the standard we bring to every account.
Built on proven foundations.
Our original identity represents the timeless principles that continue to guide our work today.
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 B2B collections standards
2010s – Technology Integration
Merged cutting-edge technology with our proven personal approach
Today – Still Growing Strong
29+ years later, the same team continues to deliver exceptional results for clients nationwide
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.”
FAQ
Common questions about commercial collections.
Understanding your business is in our best interests. We read the contracts, learn what you actually sell and how your process runs, and keep building that familiarity as the relationship goes on. The collector calling on your behalf can then speak to your customer with real context, which is where the right agreement gets reached.
We focus on timing, communication, and follow through rather than volume-based outreach. Accounts are worked individually, with attention to documentation, escalation decisions, and the impact on ongoing business relationships.
Our work is structured to support your credit and finance teams rather than replace them, with visibility into activity and consistent reporting throughout the process.
We work on a contingency basis. Fees are assessed only on amounts recovered.
Rates vary based on factors such as account age, balance size, and complexity. All terms are discussed upfront, and there are no hidden charges or setup fees.
For how the fee is actually settled once a remittance goes out, see how the contingent fee is handled.
Accounts can typically be placed shortly after an agreement is completed.
Most clients are onboarded within one to two business days, depending on the format and volume of accounts being placed.
We accept files in most formats your system already produces, including high-volume batches. See how we handle placement intake.
Activity reports are provided monthly and include account status, payments received, balances, and documented actions.
Clients also have access to an online portal with current account information. Reporting formats can be adjusted to meet internal review or audit needs.
We work with businesses across a wide range of industries, both domestic and international.
Our approach is adapted to the structure of each client's receivables process, contract terms, and customer base. See the industries we work with for more detail on specific sectors.
The basics are the debtor's name, address, and contact information, the amount owed, and any supporting documentation you have: invoices, purchase orders, signed contracts, and a record of prior collection attempts.
The more complete the documentation, the more we can do with it. Accounts placed with a full paper trail move faster and give us more options if the account escalates.
For the full breakdown by field, see what JSD needs to open a file.
Contact Us
Talk to a real person.
No bots, no phone trees. A member of our team will respond within one business day.
1283 College Park Drive
Dover, Delaware 19904
Nationwide commercial collection services
Licensed, Bonded & Insured
Memberships & Accreditations
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