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The Collection Agency Fee Question Most Businesses Get Wrong
Most businesses compare collection agencies by asking for a contingency rate. It is the easiest number to compare and the wrong one to decide on.
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JSD Blog
Notes from the collections floor.
Practical writing on commercial debt collection, B2B collection agencies, and the decisions credit managers face. When to place an account, how agencies work, and what to look for.
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Article Archive
09 / 10- 02Accounts ReceivableAccounts Receivable·
How to Build an AR Early Warning System
The checklist names the behaviors, break terms, avoids contact after acknowledging balance. This is how you turn those names into rules that fire whether or not anyone remembers to look.
- 03PerspectivePerspective·
When to Stop Sending AR Reminders and Escalate to Collections
The 30/60/90-day handoff question: at what point does sending another reminder stop being the right move? Here is a practical framework for the accounts your automation left unresolved.
- 04PerspectivePerspective·
Will HighRadius or Billtrust Replace Your Collection Agency?
HighRadius and Billtrust are not replacing the collection industry. They handle accounts that are still inside the normal payment relationship. When a customer decides not to pay, the software has already done its job.
- 05Practical GuidancePractical Guidance·
How to Pick a Collections Agency for Unpaid Business Invoices
Every article on this topic gives you a checklist. This one explains why the checklist is the wrong frame, and what question you should actually be asking.
- 06Process GuideProcess Guide·
The Commercial Debt Recovery Process Explained
How commercial debt recovery actually works, from the first missed payment through agency placement, negotiation, and legal escalation. What every creditor should know before the sixty-day mark.
- 07For DebtorsFor Debtors·
What to Do When a Collection Agency Contacts Your Business
Most online advice about collection agencies is written for consumers and does not apply to your business. Here is what to actually do when a commercial agency reaches out.
- 08PerspectivePerspective·
What Commercial Collections Actually Looks Like
Collections carries a reputation most people formed before they understood the work. Here is what it actually looks like on an ordinary Tuesday.
- 09Industry TrendsIndustry Trends·
Where AI Actually Helps in Commercial Collections
Where does AI actually belong in commercial collections? Not on the phone with debtors. In the backend: OCR for placement intake, document processing, parallel research, financial signals. The boring, useful work.
- 10FundamentalsFundamentals·
Commercial Debt Collection Explained for B2B
A direct explanation of how commercial debt collection works, what it costs, and what separates a professional B2B agency from the rest.