Collections

Recover Revenue. Protect Your Reputation. Stay Compliant.

You provided the service. You sent the invoice. You deserve to be paid.

Collect911 is a premier debt recovery firm serving the entire state of California. Whether you are a medical practice in Los Angeles, a tech startup in San Francisco, or a logistics company in Long Beach, we recover your funds while maintaining the professional relationships you’ve worked hard to build.

At a Glance: Why CA Businesses Choose Us

• Industry-Leading Recovery Rates: We outperform national averages by leveraging advanced skip-tracing and credit reporting.

• 100% Compliant: Strictly adhering to the Rosenthal Act, HIPAA, and FDCPA.

• 4.8/5 Star Rating: Trusted by clients with over 2,000+ Google Reviews. Rated 4.8 /5.

• Statewide Reach: Serving San Diego, San Jose, Sacramento, Fresno, and every city in between. Licensed in all 50 states, so if your debtor crossed state lines, we can continue to pursue collections.

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Two Flexible Pricing Models

We don’t believe in one-size-fits-all. Choose the plan that fits your cash flow.

1. Contingency Service (No Recovery, No Fee)

Best for older or difficult debts. We shoulder the risk.

• Zero upfront cost.

• We only get paid when you get paid.

• Includes comprehensive skip-tracing, credit bureau reporting, and litigation support if needed.

2. Fixed-Fee Service (Pre-Collection)

Best for recent debts (under 90 days). Keep 100% of the money collected.

• Pay a small, flat fee per account.

• Monies are paid directly to you.

• Acts as a gentle extension of your billing department to nudge payments without burning bridges.

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Industry-Specific Expertise

For Medical & Dental Practices

Patients are not just debtors; they are your community. California’s medical landscape requires a delicate touch. We specialize in collecting for Dentists, Urgent Care, and Private Practices while strictly adhering to HIPAA and California medical billing regulations. We recover the funds without triggering malpractice claims or negative online reviews.

For Commercial (B2B) Business

Don’t let unpaid invoices choke your cash flow. From Silicon Valley SaaS contracts to Construction liens and Freight/Logistics disputes, we understand commercial leverage. We report to commercial credit bureaus (Dun & Bradstreet, Experian Business), giving debtors a powerful incentive to pay you first to protect their own credit lines.

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Ironclad Compliance & Security

California has some of the strictest collection laws in the nation. One mistake can lead to a lawsuit. We protect you by handling the legal complexities.

• The Rosenthal Fair Debt Collection Practices Act (RFDCPA): We strictly follow California’s specific extension of federal law, ensuring no harassment or unfair practices.

• Data Security: Your data is protected by 256-bit encryption and our client portal features Two-Factor Authentication (2FA).

• Statute of Limitations: We monitor California’s 4-year statute on written contracts so you never miss a legal window to collect.

• No Hidden Fees or Commitments: Enjoy our services without any minimum balance requirements, minimum number of accounts, setup fees, or binding contracts. Our customer agreement is open-ended and non-committal.

• Complimentary Credit Bureau Reporting: Benefit from free credit bureau reporting, enhancing the effectiveness of our collection efforts.

• High Recovery Rates with Full Compliance: We achieve excellent recovery rates while strictly adhering to FDCPA, HIPAA, TCPA, and GLBA regulations.

• Personalized Support: Beyond our central customer service team, you’ll have a dedicated Sales Representative assigned to you for direct, personalized assistance.

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Areas We Serve

We are fully licensed and bonded to collect anywhere in California, including:

• Southern California: Los Angeles, San Diego, Long Beach, Anaheim, Riverside.

• Northern California: San Francisco, San Jose, Oakland, Sacramento, Fresno.

• Central Coast & Inland Empire.

Wage Garnishment

• California has specific laws that limit the amount of wages that can be garnished to repay a debt. The state provides greater protection than federal law, allowing only the lesser of 25% of a worker’s disposable earnings or the amount by which a worker’s disposable earnings for the week exceed 40 times the state minimum hourly wage.
• Certain types of income, like social security, disability, and retirement, are exempt from garnishment in California.

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Ready to Clear Your A/R Ledger?

Don’t let another 30 days pass. The older a debt gets, the harder it is to collect.

Need a Collection Agency for your unpaid Invoices? Contact us

 

Commercial Recovery: Moving Beyond the “Check is in the Mail”

You’ve sent the invoice. You’ve called the Accounts Payable department. You’ve been promised “the check is in the mail.” Now it’s time to escalate. Our Account Reconciliation Team bypasses the gatekeepers and gets your invoice directly to the decision-maker who cuts the checks. Serving hundreds of businesses nationwide, we resolve the “billing static” that stalls your cash flow, ensuring your capital is returned to your operating account where it belongs [Deloitte 2025].

Protecting your business reputation, Collect911 holds licenses in all 50 states, ensuring a safe approach for every client interaction. We provide free litigation and bankruptcy scrubs with zero onboarding or annual fees. Our SOC 2 Type II and FDCPA-compliant systems ensure total data security, backed by a 4.85/5 rating from over 2,000 professional reviews. Delivering high recovery rates!

Need a Commercial Collection Agency? Contact us

Our recovery rate is over 75% for B2B accounts less than 250 days old!
Recovery jumps to about 80% for accounts less than 180 days old. Over 90% accounts are resolved without filing a suit.

No Recovery = No Fee

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The Performance-Based Recovery Model

Our commercial strategy is designed to be results-driven with zero upfront risk to your firm. We operate on a Tiered Contingency model, adhering to a “No Recovery, No Fee” promise. Our fees range from 10% to 45% depending on the balance, age, and complexity of the account. Every fee is communicated to you in advance for total transparency. This aligns our success with yours, leveraging our 20+ years of industry experience to resolve balances with clinical efficiency.

The Commercial Collection Roadmap: Our 8-Step Process

To maintain a 75% success rate, our dedicated commercial collections team follows a rigorous, clinical process designed to secure payment.

• Phase 1: The Commercial Scrub: Every account undergoes an immediate litigation check, bankruptcy search, and USPS address verification to identify high-risk entities.

• Phase 2: Asset & Liability Investigation: We perform deep-dive research into the entity’s financial health, including UCC filings and property ownership, to determine the most effective recovery path [National Association of Credit Management 2024].

• Phase 3: Professional Mediation: Our “Respectful Friction” model begins with bilingual outreach. We act as a professional concierge to resolve disputes and verify the “Account” status.

• Phase 4: Business Credit Bureau Reporting: If an account remains unresolved, we report the delinquency to major business credit bureaus. This impacts the entity’s ability to secure future credit, often triggering an “Urgent” resolution [Experian Business 2025].

• Phase 5: Secretary of State & Licensing Review: We verify the entity’s standing with state regulators. Highlighting potential threats to their corporate standing or operating licenses often facilitates faster reconciliation.

• Phase 6: Final Demand & Legal Review: If mediation fails, the account is escalated for a final legal review to determine the viability of a lawsuit based on the entity’s asset profile.

• Phase 7: The Legal Step: If you permit, our network of commercial attorneys initiates formal litigation as the final action to secure a court judgment.

• Phase 8: Enforcement of Judgment: Post-judgment, we execute bank levies, wage garnishments, or property liens to ensure the “Financial Result” is realized.
  
  

Clinical Philosophy: Urgent, Effective, and Respectful

As an “Account Reconciliation Team,” we operate as an authoritative peer to your accounting department. Our philosophy is rooted in being Urgent, Effective, and Respectful. With over two decades of experience, we recognize that a late payment is often a breakdown in communication rather than a refusal to pay. By acting as mediators, we resolve discrepancies and clear “billing static” without damaging long-term vendor partnerships. This “Peace of Office” benefit allows your staff to remain focused on growth rather than the burnout of chasing balances.

The Security & Integrity Suite

Integrity is non-negotiable. Our Quality Control team records and audits every call to prevent reputational risk and ensure that our mediation remains at the highest professional standard. The litigation check is a critical protective measure, identifying clients with a history of filing frivolous lawsuits to avoid financial obligations [National Association of Fitness Professionals 2024].

Frequently Asked Questions (FAQs)

• How does reporting to credit bureaus help?
  Most commercial entities rely on their credit score for equipment leasing and vendor terms. Reporting a delinquency creates “Respectful Friction” that prioritizes your invoice over others.

• What if the client claims a dispute?
  We gather documentation from both parties to act as a neutral mediator, clearing “billing static” to reach a logical resolution.

• Is my brand protected during the legal phase?
  Yes. All legal actions are reviewed for compliance and brand impact before filing, ensuring litigation is a precise final action.

• What makes your 20+ years of experience different?
  Two decades in commercial collections means we have encountered every stall tactic. We understand the specific pressure points of different industries, allowing us to navigate complex disputes with peer-level authority.

• How do you handle “skip tracing” for closed businesses?
  We utilize advanced proprietary databases to locate the principals behind defunct commercial entities, ensuring that “Account” reconciliation is pursued even when a physical location has changed.

• Can you recover balances from out-of-state entities?
  Yes. Our nationwide network allows us to pursue commercial accounts across all 50 states, ensuring consistent enforcement regardless of the entity’s location.

Areas of Commercial Expertise

• Commercial Lease & Property Management Arrears

• Manufacturing & Supply Chain Invoice Reconciliation

• Professional Services & Consulting Balances

• Wholesale & Distribution Account Recovery

• SaaS & Technology Subscription Arrears

• Construction & Subcontractor Payment Disputes

Ready to Clear Your A/R Ledger?

Don’t let unpaid invoices choke your cash flow. Let us apply the professional pressure needed to get you paid.

Get a Commercial Recovery Quote

You provide the care. We ensure the assets are used to pay for it.

Running a Senior Living community is a balancing act between compassionate care and financial reality. When a resident falls behind on rent or Level of Care (LOC) fees, it is rarely a simple case of “refusal to pay.” It involves complex layers of family dynamics, Power of Attorney (POA) mismanagement, Medicaid “spend-down” confusion, and estate probate issues.

At Collect911, we don’t just send letters. We navigate the legal and emotional complexities of senior housing to recover the revenue you are owed—without triggering State Survey citations or PR nightmares.

Protecting your practice’s reputation, Collect911 holds licenses in all 50 states, ensuring a safe approach for every patient interaction. We provide free litigation and bankruptcy scrubs with zero onboarding or annual fees. Our SOC 2 Type II and HIPAA-compliant systems ensure total data security, backed by a 4.85/5 rating from over 2,000 professional reviews. Delivering high recovery rates!

Need a Medical Collection Agency? Contact us

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Flexible Pricing for Every Scenario

1. Pre-Collect Service (Fixed Fee)

• Best For: Current residents 60-90 days past due.

• Cost: Low flat fee (e.g., ~$15/account).

• Method: A diplomatic “Audit & Reminder” approach sent in your name.

• ROI: You keep 100% of the recovered funds.

2. Contingency Collections (Standard)

• Best For: Move-outs, deceased accounts, or hostile families. Accounts over 120 days.

• Cost: A percentage of the collected amount.

• Risk: No Recovery, No Fee. If we don’t collect, you pay $0.

The “Hidden” Cost of Unpaid Senior Living Debt

In the senior living industry, margins are tighter than ever. According to recent industry data, the average Assisted Living facility operates with a margin of just 28-32%, while Skilled Nursing Facilities (SNFs) often run closer to 1-3%.

Every unpaid invoice hits your bottom line directly.

• Average Bad Debt: A single unpaid move-out in senior living averages $4,500 – $12,000.

• The “POA” Factor: It is estimated that over 60% of senior living bad debt is caused not by the resident’s lack of funds, but by the financial mismanagement of the adult child or legal guardian controlling the checkbook.

We stop this leakage by holding the financial decision-makers accountable.

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Our 3-Pronged Recovery Strategy

We categorize every account to apply the correct legal pressure:

1. The “Negligent POA” Strategy

The most frustrating scenario for an Executive Director is seeing a resident with a pension and Social Security, yet the rent remains unpaid.

• The Approach: We bypass the resident and target the fiduciary. We remind the Power of Attorney (POA) of their legal obligation to use the resident’s assets for care first.

• The Leverage: Misappropriating a senior’s funds can be a criminal offense in many states. When a POA realizes that their own financial conduct could be scrutinized, payment is often prioritized immediately.

2. The Estate & Probate Strategy

When a resident passes away, families often claim, “Mom had no money left.”

• The Reality Check: We conduct deep-dive Probate and Asset Searches. We identify real estate transfers, life insurance payouts, or hidden Trusts.

• Creditor Claims: If an estate is opened, we file the necessary paperwork to ensure your facility is listed as a priority creditor before the inheritance is distributed to the heirs.

3. The “Medicaid Gap” Strategy

Waiting for Medicaid approval can leave a facility with months of unpaid “Share of Cost” (NAMI) balances.

• The Solution: We pursue the Patient Liability portion aggressively. Retroactive Medicaid payments go to the facility, but the “Share of Cost” often gets stuck in the resident’s bank account. We ensure that money comes to you, not the family.

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Collections Without Eviction: The “Census Protection” Model

Your goal is to keep your beds full. Involuntary discharge is a regulatory minefield involving Ombudsmen, 30-day notices, and safe discharge planning.

We act as a buffer. By involving a third-party agency, we change the dynamic. We can often negotiate payment plans or “catch-up” structures that allow the family to resolve the debt so the resident can remain in your community. We recover the funds, you keep the census.

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Compatible with Your Technology

Your Business Office Manager (BOM) is already overworked. We make placement seamless. We are experienced in reading and ingesting Resident Ledgers and Aging Reports from major platforms, including:

• PointClickCare (PCC)

• MatrixCare

• Yardi / Voyager

• RealPage

• Eldermark

Whether you are a single-site owner or a REIT with 50+ communities, our portal can handle your data securely.

Frequently Asked Questions (FAQ)

Can you collect if the resident has passed away?

Yes. Death does not extinguish the debt. The debt becomes a liability of the resident’s Estate. We specialize in identifying estate assets and filing claims to recover funds from the inheritance process.

Do you sue residents?

Litigation is a last resort and is only done with your explicit written permission. Our primary focus is diplomatic recovery that preserves your reputation.

Will this upset the family?

It is often the family (the POA) who is causing the issue. Our team is trained to be firm but respectful. We explain that resolving the debt is in the best interest of the resident’s continued care.

Is there a minimum balance?

No. We understand that even small ancillary charges add up. We have solutions for balances of all sizes.

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Stop Subsidizing Your Residents’ Families

You have provided the care, the meals, and the safety. You deserve to be paid for it. Let us handle the uncomfortable financial conversations so your team can focus on the residents.

We are experts in Senior Living Debt Collection Contact Us – Serving all 50 states Serving some of the biggest names in your industry.

When a company provides a product or service, it has a right to expect to be paid on a timely basis. However, anyone who’s been in business a month or more has learned that prompt payment is not always the case. Often, accounts get seriously past due, or when payments are made, there may be insufficient funds in the customer’s account to cover a check. Accounts not paid within terms can have a dramatically negative impact on the “cash flow” of a business.

1. Have a Defined Credit Collection Policy

One of the major causes of overdue receivables is that the business has not explained to its customers and staff when accounts are to be paid. If customers are not educated that their accounts are to be paid on time, then chances are they’ll pay late or sometimes, not at all. Make sure that your company’s terms of payment are clearly stated in writing to each customer.

2. Invoice Promptly and Send Statements Regularly

If you don’t have a systematic invoicing and billing system, get one. Many times the customer hasn’t paid simply because they haven’t been billed or reminded to pay in a timely manner. This situation usually occurs in smaller or newer businesses, where they may be short-handed on staff needed for timely invoicing and billing.

(CONNECT STEP 1, our 1st Party REMINDER service, done in your name, can help with this!)

3. “Address Service Requested”

One of the most difficult collection problems is tracking down a customer who has “skipped”. All businesses should be aware of a special service that the US Postal Service offers. Any statement or correspondence sent out from a business or professional office should have the words “Address Service Requested” printed or stamped on the envelope, just below your return address in the top left corner. If a statement or invoice is sent to a customer who has moved without informing you of their new address, and the words “Address Service Requested” appear on the envelope, the Post Office will research this information and return the envelope to you on a yellow sticker that gives the new address or other updated information. If the customer has placed a “forwarding order,” we suggest that you check with your local Post Office to see what additional options you may have for follow-up. This will help you keep your address files up to date.

4. Contact Overdue Accounts More Frequently

There is no law that says that you may only contact a customer once a month. The old adage “The squeaky wheel gets the grease” has a great deal of merit when it comes to collecting past due accounts. It’s an excellent idea to contact late payers every 10-14 days. Doing so will enable you to diplomatically remind the customer of your terms of payment.

5. Use Your Aging Summary Report, Not your Feelings

Many well-meaning businesses owners (or staff members) have let an account age beyond the point of ever being collected because of the “feeling” that the customer would pay eventually. While there are isolated cases of unusual situations, the truth is that if you aren’t being paid, someone else is. Stick to your systematic follow-up plan. You’ll soon identify who really intends to pay and who doesn’t. You can then take appropriate actions.

6. Make Sure Your Staff is Well-Trained

Even “experienced” staff members can sometimes become jaded when dealing with past due customers. This usually happens when debtors have broken promises for payment that have been made previously. Make sure the staff is firm, yet courteous when dealing with them. Your entire staff could benefit from customer service training because, in effect, they must “sell” your customers on the idea that you expect to be paid. Make sure that your collection staff is trained to both, bring the account to current status, while also maintaining “good will” with the client base.

7. Admit any Mistakes on Your Part and correct them ASAP

Sometimes customers don’t pay because they feel that you’ve made a mistake. If you have, quickly admit it and correct it. Your customer realizes that mistakes can happen in business. Unfortunately, many customers believe that the owner or president “doesn’t need the money.” Denying an obvious error only fans the fire of resentment that your customer may already feel.

8. Follow all Federal and State Collection Laws

In many states, businesses are governed by the same collection laws that regulate collection agencies. For example, calling customers at an odd hour or disclosing to a third party that the debtor owes you money, are just a couple of the numerous collection practices that can cause serious repercussions. If you’re not sure, call your state’s department of finance which governs and monitors collection agencies.

9. Use a Third Party Sooner

If you’ve systematically pursued your past due accounts for 60 to 90 days from the due date, (and they still haven’t paid) you’re being delivered a message by your client. More than likely, you’ve requested payment four to six times in the form of phone calls, letters and statements. Statistics show that after 90 days, in-house collection effort loses up to 80% of its effectiveness. That means that the time and financial resources budgeted for collection efforts should be focused within the 1st

60-90 days, when the bulk of your accounts can and should be collected. From that point on, a 3rd party can motivate your client to pay you in ways that you cannot, simply because the demand for payment is coming from someone other than you. Before paying a contingency collection agency, an attorney or using small claims court, why not explore using a fixed flat-fee collection services.

We offer CONNECT STEP 1 (our 1st Party Reminder Service) & CONNECT STEP 2 (our 3rd Party Service) for a Fixed Flat-fee of about $15 per account, regardless of the amount owed, or where the debtor is located in the U.S.!

COLLECT STEP 3 is our contingency service.

10. Remember that Nobody Collects Every Account

Even by setting up and adhering to a specific collection plan, there will still be a few accounts that will never be collected. By identifying these accounts early, you will save yourself and your company a great deal of time and money. Even though a few may slip by, you’ll find that overall the number of slow pay and nonpaying accounts will greatly diminish, and that’s a victory in itself!

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About the author:
Todd , Regional Business Development Partner is available to answer your CASH FLOW questions. He has MORE tips on how to increase cash flow by making the best payment arrangements with your customers, along with providing your team with a special “script” to follow to get you paid faster! He will also give suggestions on what to look for when choosing a collection agency and what choices you have for recovering your delinquent accounts.

Todd is available for workshops for Rotary Clubs, Business groups, Chambers of Commerce and Trade Associations. There is NO FEE. He will also be happy to offer an accounts receivable analysis for business owners & medical practices ~ FREE of CHARGE!