The Way Debt Collection Should Be
Designed for Small Business, with our Guarantee To Collect Or No Cost
We offer tailored collection services and accountability for results with either small or large debtor files. We serve as the outsourced accounts receivable arm or train in-house staff. Contact us to discuss your credit and collections needs and establish a new relationship.
Our No Cost Until We Collect Guarantee
No cost to you until we collect! This promise is music to our clients’ ears.
You work hard and deserve to be paid. Our debt collection services use the perfect mix of technology and personal contact to get results. We learn about your business and your collection goals and design the program that works best for your business needs.
Bad debt is a loss, directly affecting the bottom line; not only in loss of income to the business, but a loss of something far more valuable – the loss of a customer! No business can afford to lose customers. No business can afford bad debt.
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- Accounts Receivable
- Judgments
- Bad Checks
To learn more about debt collection problems and solutions, read our blog.
It has become a standard in American business policy to accept certain rates of bad debt, and to apply these industry standards to their receivables, spreading the cost of this loss over the balance of the portfolio, essentially making the cost of conducting business more expensive.
Maximizing Debt Recovery: Why Settle for 20% When You Could Collect Nearly All of It?
Many collection agencies are satisfied with a 20% rate of recovery, skimming the “low hanging fruit,” and leaving 80% of the bad debt virtually ignored forever. There simply is no acceptable amount of write off. We consider that virtually all debt is able to be recovered.
Our persistence pays off
We keep working on files, long after other collection agencies give up. Our persistence pays off – our clients consistently tell us we outperform our competition.
We pride ourselves on our ability to find people and their assets
As small business owners AND consumers in the local markets we serve, we are uniquely qualified to understand both sides of the transaction. Real people, not computer programs, research debtors and we pride ourselves on our ability to find people and their assets. We are skilled negotiators, trained to work with your customers to find the best repayment solution.
Why should you choose United Obligations?
How many debt collection agencies can say that they turn debtors into clients? We can! One of our first debt collection clients was a gentleman who owed a large medical bill we were collecting from him. Once he finished paying off his bill, he told us he liked our approach, and asked us if we would collect for his local contracting firm.
That happened in 2004. In the years that have followed, it has happened again and again.
We started out as a small business collections agency, and soon realized it would be more successful working for small businesses. We offered our clients assistance with professional receivables management, along with basic bad debt collection services.
Small business people are also consumers. Many owe money and are also owed money. Most people want to pay what they owe, and will pay if they are treated with respect. On the client side, small business customers not only want collection expertise, they want a partner who can look at their overall business and help them make better credit decisions.
Personalized Collection Agency
How We Do It
A big part of debt collection is locating people and their assets. We pride ourselves on our extensive search program.
We use an omnichannel approach to debtor contact with mail, email, chat and phone. Person to person contact is key.
We offer a variety of convenient options. We make it easy for people to pay.
We are experts in negotiating and administering affordable payment plans.
We focus on personalized debt collection services - Debt collection is all we do!
We are local and understand the economic, legal and societal conditions in the areas we serve.
We have been focused on debt collection for over 20 years.
We pursue debts long after other agencies have moved on.
We are knowledgable & compliant with all state and federal debt collection and privacy laws.
Our approach to bad debt recovery is all about seeing the big picture
Our clients want to know how to improve cash flow. What makes a file collectible? What kind of research is needed to locate someone and their assets? What tools and techniques will assist with the process? Each client is unique and each of their files is unique, as well.
Before we begin a collection, we understand our clients’ collection goals, and come up with the approach that will bring the best results.
Our high quality research team is expert at finding people and their assets – a prerequisite for collection success.
If needed, we access a network of experienced collection attorneys to assist with litigation. We work closely with these attorneys to continue collection efforts post judgment.
Some Of The Industries That We Service
There are no hidden fees or charges, and we will explain everything to you upfront.
Fair Debt Collection: For Our Clients & Their Customers & Patients
Our clients are not major corporations. They are hardworking local business and healthcare professionals who also have bills to pay. They hire local people and buy local goods. Many, like us, are entrepreneurs whose businesses rely on people paying for goods and services provided. Some have staff dedicated to credit and collections, while others do it all themselves.
We are dedicated to providing levels of services that meet the individual needs of our clients. We’ll collect one debtor file or a thousand. We get paid only when we get results. We’ll serve as the outsourced accounts receivable department or train in-house staff in accounts receivable management best practices.
We would love to talk to you about your credit and collections. We learn so much from communicating with our clients and establishing relationships with our new ones.
Our blog
Debt Collection: How Contracts Help
If you read my blog or have heard me speak, you know that I consider a strong customer contract – even an informal one –
Collection Agencies: Five Common Myths
Collection agencies get a bad rap. Some of the criticism, especially about past actions, is deserved. No one likes owing money and some collection agencies
Collection Agency: Don’t Blame Them If…
The right collection agency can benefit your business. It is important to hire an agency that shares your goals and reflects your style. A collection
