Recovery vs. Rate
Choosing a collection agency isn’t always easy. Every agency offers different programs, technologies, services, and rates. While cost is important, it shouldn’t be the only factor in your decision.
The agency with the lowest rate doesn’t always put the most money back in your pocket.
When comparing collection agencies, look beyond the cost and consider the tools, resources, experience, and service each agency provides. The goal isn’t simply to pay less; it’s to recover more.
At the end of the day, collection rates only tell part of the story. What really matters is how much money is recovered and returned to your business.
With experienced professionals, advanced technology, ongoing education, and a commitment to customer service, Express Collections is focused on delivering results that make a difference.
What Helps Increase Recovery?
Ethics, Integrity & Compliance
At Express Collections, we believe professionalism matters. We treat our clients and their customers with respect, honesty, and integrity throughout the collection process. Our goal is to be a trusted partner, not just another vendor. Whenever possible, we work to preserve the relationship between creditor and customer, helping support future business opportunities.
More Time Spent on Every Account
Communication is one of the most important factors in successful collections. That's why our representatives are assigned fewer accounts than many collection agencies. By managing a smaller portfolio, they're able to spend more time working each account, following up consistently, and pursuing every collection opportunity.
Ongoing Training & Education
Collection laws and regulations are constantly changing. Our staff receives ongoing training in FDCPA, FCRA, HIPAA, REG-F, Cyber Security and industry best practices. We stay current on regulatory changes and maintain professional education so our clients can feel confident that accounts are being handled properly.
Technology & Recovery Resources
Our team has access to a wide range of recovery tools and online resources, including skip tracing services, public records, property information, vehicle registration databases, and other technology that helps locate consumers and improve recovery opportunities.
Credit Bureau Reporting
Not all collection agencies report accounts to a credit bureau. Credit reporting can help locate consumers, increase account visibility, and encourage payment. Express Collections offers credit bureau reporting at no additional charge when accounts are placed for collection.
When Should You Send an Account to Collections?
There’s no one-size-fits-all answer. Every account and every business is different.
That said, the longer an account remains unpaid, the more difficult it often becomes to collect. Many businesses consider placing accounts between 90 and 120 days past due, but the right timeline will depend on your industry, customer relationships, and collection goals.
Our sales and management team will work with you to develop a collection strategy and referral timeline that fits your needs and expectations.
As accounts age, recovery opportunities often decline. Placing accounts earlier can help improve the chances of successful collection.
Ready to Recover What You're Owed?
Talk with an experienced recovery specialist today. No pressure, no obligations, just a clear plan to turn your past-due accounts into cash flow for your business.
