# JSD Management Inc. > JSD Management Inc. is a commercial collection agency specializing exclusively in business-to-business debt recovery, handling individual unpaid invoices, recurring commercial portfolios, and international collections. JSD Management Inc., formerly James, Stevens & Daniels, was founded in 1997 by Kelly Hedrick and is based in Dover, Delaware. - Commercial (B2B) collections only. JSD does not accept consumer debt placements. - Clients range from small businesses placing a single invoice to large corporate and institutional clients, including Xerox, GE, Microsoft, and the USDA. - Domestic and international commercial collections across 32+ countries, with the same JSD team handling an account from placement through resolution. - Pricing is contingency only, no recovery, no fee, typically 15 to 50 percent of the amount recovered, set by the age of the account and its documentation. - Accounts placed with JSD may involve contract disputes, documentation issues, outdated contact information, payment verification, or internal AR breakdowns, not only simple nonpayment. - Before the first collector call, JSD researches the debtor business and identifies who can authorize payment, rather than opening with a cold call. - Original recovery data and operational case studies are published in JSD Insights, distinct from the company blog. - Phone: [+1 (302) 735-4628](tel:+13027354628) - Email: [info@jsdinc.net](mailto:info@jsdinc.net) The site is organized into service pages, industry-specific collection pages, a client documentation hub (Working with JSD), AR tools and guidance, a commercial-collections blog, operational Insights, and debtor information. Follow the links below for detailed source material; Markdown versions are linked directly where available. ## Core services - [JSD Management](https://www.jsdinc.net): Company overview, track record, approach, and contact information. - [Commercial Collections](https://www.jsdinc.net/commercial-collections): JSD's primary B2B commercial collection service, process, fees, timing, and account review. - [International Collections](https://www.jsdinc.net/international-collections): Cross-border commercial recovery across 32+ countries. - [Small Business Debt Collection](https://www.jsdinc.net/small-business-debt-collection): Placement path for single-invoice and low-volume small business accounts; no hard account minimum. - [B2B Skip Tracing and Phone Verification](https://www.jsdinc.net/skip-tracing): Phone verification, public-record research, and direct collector follow-up for hard-to-reach commercial debtors. - [Place an Account](https://www.jsdinc.net/placement): Submit a commercial account to JSD for review. ## Industries - [Industries We Serve](https://www.jsdinc.net/industries): Hub for JSD's industry-specific commercial collection experience. - [Fire Protection Collections](https://www.jsdinc.net/industries/fire-protection-collections): Inspection, monitoring, sprinkler, alarm, suppression, extinguisher, and emergency lighting invoices. - [Equipment Leasing Collections](https://www.jsdinc.net/industries/equipment-leasing-collections): Lease payments, end-of-term balances, automatic renewal non-payment, and equipment return disputes. - [Software and Technology Collections](https://www.jsdinc.net/industries/software-technology-collections): SaaS subscriptions, annual license fees, usage-based billing, and implementation invoices. ## Working with JSD - [Working with JSD](https://www.jsdinc.net/working-with-jsd): Client documentation hub covering placement through remittance. - [Getting Started](https://www.jsdinc.net/working-with-jsd/getting-started): Required account information, bulk and batch placements, international accounts, and what happens after placement. - [Payments and Remittances](https://www.jsdinc.net/working-with-jsd/payments-remittances): Trust-account handling, remittance timing, direct payments, and how the contingent fee is handled. ## AR guidance and tools - [AR Turnover and DSO Calculator](https://www.jsdinc.net/resources/ar-calculator): Free calculator for accounts receivable turnover and Days Sales Outstanding. - [Vital Warning Signs](https://www.jsdinc.net/vital-warning-signs): Account-level checklist for identifying commercial collection risk before accounts age too far. - [How to Choose a Commercial Collection Agency](https://www.jsdinc.net/resources/what-to-look-for-in-a-commercial-collection-agency): Structured criteria and AI prompts for evaluating commercial collection agencies before placing accounts. ## Research and insights - [JSD Insights](https://www.jsdinc.net/resources/insights): Operational documentation, case studies, and lessons learned from JSD's commercial collections work, distinct from the blog below. - [Recovery on Aged Commercial Placements: A Four-Year Case Study](https://www.jsdinc.net/resources/insights/aged-commercial-placements-recovery-case-study): Analysis of 807 commercial placements from a single fire sprinkler contractor, 69.6 percent gross recovery with confidence intervals, cohort and maturity analysis, and stated limitations. Markdown version at [aged-commercial-placements-recovery-case-study.md](https://www.jsdinc.net/resources/insights/aged-commercial-placements-recovery-case-study.md). - [How We Handle High-Volume Placement Intake](https://www.jsdinc.net/resources/insights/high-volume-placement-intake): How JSD processes bulk placements, FTP batches, AR aging exports, scanned invoices, and other client file formats. - [The Round Trips That Slow Commercial Collections](https://www.jsdinc.net/resources/insights/the-round-trips-that-slow-commercial-collections): How missing information, internal approvals, and documentation delays affect collection work, and how clients can close them off. ## Blog - [Commercial Collections Blog](https://www.jsdinc.net/resources/blog): JSD's full archive of B2B collections and accounts receivable articles. - [Business Bankruptcies Are Accelerating in 2026](https://www.jsdinc.net/resources/blog/business-bankruptcies-aging-report): What rising business bankruptcy filings and Subchapter V elections mean for aging reports and customer payment behavior. Markdown version at [business-bankruptcies-aging-report.md](https://www.jsdinc.net/resources/blog/business-bankruptcies-aging-report.md). - [Sell the Receivable or Place It for Collection](https://www.jsdinc.net/resources/blog/debt-buyer-vs-collection-agency): Debt buyers versus third-party collection placement. - [What Is a Trust Account?](https://www.jsdinc.net/resources/blog/what-is-a-trust-account): How collection agencies hold and remit recovered client funds. - [Where the Accounts Receivable Collection Process Breaks Down](https://www.jsdinc.net/resources/blog/where-the-ar-collection-process-breaks-down): Information and process failures inside accounts receivable, and at escalation. - [How Much Do Collection Agencies Charge?](https://www.jsdinc.net/resources/blog/how-much-do-collection-agencies-charge): Commercial collection fee structures and contingency rates. - [When to Escalate an AR Account to Collections](https://www.jsdinc.net/resources/blog/ar-automation-vs-collection-agency): When normal AR follow-up has reached its limit. - [How to Build an AR Early Warning System](https://www.jsdinc.net/resources/blog/accounts-receivable-early-warning-system): Turning receivable warning signs into operational rules. - [Why AR Automation Will Never Replace Commercial Collections](https://www.jsdinc.net/resources/blog/ar-automation-and-commercial-collections): Where AR automation helps and where human commercial collectors remain necessary. - [How to Pick a Collections Agency for Unpaid Business Invoices](https://www.jsdinc.net/resources/blog/collections-agency-for-unpaid-invoices): How creditors should evaluate commercial collection agencies. - [The Commercial Debt Recovery Process Explained](https://www.jsdinc.net/resources/blog/commercial-debt-recovery-process): Commercial recovery from delinquency through placement and resolution. - [What to Do When a Collection Agency Contacts Your Business](https://www.jsdinc.net/resources/blog/what-to-do-when-a-collection-agency-contacts-your-business): Guidance for businesses contacted about a commercial debt. - [What People Get Wrong About Collections](https://www.jsdinc.net/resources/blog/the-stigma-around-collections): How commercial collection differs from consumer-debt perceptions. - [How AI Could Change Commercial Collections](https://www.jsdinc.net/resources/blog/how-ai-is-used-in-commercial-collections): Practical uses of AI and account intelligence in commercial collections. - [What Is Commercial Debt Collection?](https://www.jsdinc.net/resources/blog/what-is-commercial-debt-collection): Explanation of B2B commercial debt collection. - [When to Place an Account with a Collection Agency](https://www.jsdinc.net/resources/blog/when-to-place-an-account): Timing, warning signs, and placement decisions. ## Debtor resources - [Contacted by JSD](https://www.jsdinc.net/debtor-info): Verification, account questions, disputes, payment information, and guidance for businesses contacted by JSD. ## Optional - [Careers](https://www.jsdinc.net/careers): Employment information. - [Privacy Policy](https://www.jsdinc.net/privacy-policy): Website privacy practices.