Commercial Debt
Consumer Debt
Judgment Recovery

NO DEBT RECOVERY = NO CHARGE

• Our Contingent Fees Start At 15% for Debt Recovery
  
• Experienced, Persistent, Professional Bill Collectors Handle Your Accounts
• Multi-lingual, Spanish, French, Creole, Italian
• Immediate and On-Going "Personal Contact" With Debtor
• Free Skip Tracing - We Find "Them" When You Can't
• Reporting Of Delinquent, Past Due Accounts To Consumer And Commercial Credit Bureaus
• We Can Handle Small and Large Volumes of Past Due Accounts.
  
• Place Past Due Accounts Electronically
• Our World Wide Network Of Debt Recovery Attorneys Available To You

We want to be your only collection agency.  We believe so strongly that we can collect your past due accounts that we are willing for work for free to prove to you that we are the best bill collectors you have ever had work for you.  We get paid only when we collect.

Why Should I Use A Debt Collection Agency?

• Many people will pay a Collection Agency because they do not want their credit to be effected or to have a judgment filed against them.

Why Would A Debtor Pay A Collection Agency But Not My Company?

• We have a full range of debt recovery services that probable are not available to you.
  • Credit Reporting to all major credit bureaus (Equifax, Experian, and Transunion, for deliquent consumer accounts) (D&B and Experian Business Credit for deliquent commercial accounts)
• Telephone, written, and faxed demand payment notices.
• Skip tracing to locate hard to find debtors who have disappeared.

Why Should I Choose Sterling Companies As My Collection Agency?

• Collection Agencies can vary in size, competency, technology, customer service, approach and effectiveness in recovering past due debt.

How Long Does It Take For A Collection Agency To Collect My Debt?

• Past due accounts are processed the same day they we receive them. Our bill collectors immediatly initiate phone calls and a letter sent. Sterling Companies collects 83% of what we recoverable bad debt in the 1st 15 days.

What Are The Chances That You Can Collect My Bad Debt?

• The chances that our bill collectors can collect are dependant on several variables. The first is age.  The older a past account is lower the likely hood is that money will be recovered.  Other recovery factors are type of bad debt, documentation for the account, size of the bad debt.

What Options Does A Collection Agency Have If A Debtor Refuses To Pay?

• Most collection agencies do not pursue legal action through a court judgment, but the debt collection professionals at Sterling Collections have many options that are available for past due accounts.
  • Asset location, forced sheriff auction sales of debtor assets, and liens.
  • Bank account seizure.
  • Wage garnishment and employer search.
  • Bad debt legal services (our debt recovery attorney’s are highly experienced in creditor remedy law and they are aggressive).
  • Civil investigators

How Is A Collection Agency Different From The Creditor?

• The creditor is the company or entity that originally entered into the transaction or contract with the debtor.  A Collection Agency works as a third party agent- separate from the creditor.

How Is A Collection Agency Compensated?

• Most third party Collection Agencies, like Sterling Companies, work on contingent fee basis.  This means if the collection agency doesn’t recover the bad debt, there is no fee paid by the creditor.

What Are The Typical Contingent Fee That A Collection Agency Would Charge?

• Debt recovery contingent fees would start at 15% for past due accounts, but are variable depending on age, size of debt and type of transaction.

As A Collection Agency For What Industries Do You Collect Bad Debt?

• Some of the markets that we represent in their bad debt recovery are:
  • Agriculture, Construction, Transportation, Wholesale, Finance, Insurance, Public Administration, Manufacturing, Retail, Education, and Housing.