01
Licensing and identity
The entity pursuing the account, available licensing records, relevant dates, and questions about jurisdiction-specific requirements or exemptions.
What we examine
They’re examining your ability to pay. We examine their claim and conduct.
The amount demanded is only the beginning. The supporting records, the agency’s licensing status, the charges added, and the way payment has been pursued can all deserve closer examination.
Licensing review
A demand letter is not proof of proper licensing.
Where licensing is required, an agency’s authority to operate deserves verification. We examine the collecting entity, relevant licensing records, and license status during the period of collection activity. We flag questions about applicable requirements and exemptions for legal review.
Collecting without a required license can expose an agency to enforcement or other legal consequences. Depending on the applicable law and conduct, collection violations may also affect the creditor’s recovery or create potential liability requiring legal assessment.
We document the findings and use substantiated issues to support a resolution strategy.
Their compliance deserves scrutiny, too.
What we audit
Five areas of the file. Examined on the record.
An audit covers the claim itself and the party pursuing it. Each area produces documentation rather than assertion, so the negotiation rests on what the record supports.
02
The amount demanded
Invoices, payments, credits, interest, collection costs, and other added charges.
03
Supporting documentation
Contracts, account records, and documentation supporting the claim and the collecting party's stated role.
04
Collection conduct
Correspondence, representations, demands, and the collection timeline, including potential compliance issues.
05
Negotiation opportunities
Documented discrepancies and substantiated concerns that may support a balance correction, revised terms, or another negotiated resolution.
The sequence
Review. Document. Strategize. Negotiate. Litigate.
Each step produces documentation rather than assertion, so the negotiation rests on the record instead of on whoever calls most persistently.
01
Review
We start with the collection demand itself, the records relevant to the account, and the entity pursuing it. Nothing is assumed about the balance, the authority to collect, or the history until it has been read.
02
Document
We reconcile the amounts: invoices, contracts, payments, credits, interest, and added collection charges. Discrepancies, missing documentation, licensing questions, and conduct issues are documented rather than asserted.
03
Strategize
We build a practical negotiation strategy grounded in the findings — what the documentation supports, where the claim is unsubstantiated, and what a realistic objective looks like for your business.
04
Negotiate
With your authorization, we pursue a documented resolution with the creditor or collection agency and keep you informed as the matter develops.
05
Litigate
When findings require legal interpretation or action, we can draw on professional connections with more than 250 attorneys to help connect your business with suitable independent counsel. Attorney availability, suitability, and engagement terms are determined separately.
Legal connections
Collection expertise. Connections to more than 250 attorneys.
Through our founder’s work in commercial debt collection, we have developed professional connections with more than 250 attorneys.
When findings require legal interpretation or action, we can draw on those relationships to help connect your business with suitable independent counsel.
Attorney availability, suitability, and engagement terms are determined separately. These are professional connections — the attorneys are not employees, retained counsel, or guaranteed referral partners of Porter, Teece & Boyd, and their services are not included in our fees.
01
Connections built inside the industry
Our founder's work in commercial debt collection produced professional connections with more than 250 attorneys. When a matter needs one, we are not starting from a directory.
02
Legal questions go to legal professionals
Where a finding turns on the interpretation of licensing requirements, exemptions, or applicable law, that assessment belongs with qualified independent counsel — and we help you reach it.
03
Counsel arrives with documented findings
Attorneys receive a reconciled balance, the documentary gaps in the claim, the licensing questions we identified, and the collection timeline — rather than building the file from scratch.
Find out what their demand leaves unanswered.
Get a closer examination of the claim, the licensing questions, and the collection conduct that may affect your options.
Request a Collection Audit
Or call directly: 520-505-0141