Returned-instrument recovery · X9 to resolution
The balance marked returned
is not the balance that stays returned.
Payment Recovery Group recovers dishonored checks, ACH returns, receivables, and employee obligations — with the compliance discipline of a firm built by practitioners who answer for the file.
Live in production. Enterprise creditors in grocery, pharmacy, and retail.
Two ways to run it
One recovery engine. Yours to run, or ours to run for you.
Licensed, white-labeled
Stand up the platform under your own brand and operate it as your desk. Your name on the file, your team at the controls, our engine underneath — the model our licensed operators already run.
Managed recovery
Hand us the portfolio. PRG works the accounts end to end on the same engine — contingency-based, fully audited, with the file worked the way an examiner would want to see it worked.
What we recover
Three books of work, one compliance spine.
Returned instruments
Dishonored checks and ACH returns, taken from X9.100-187 image cash-letter files through to resolution. The differentiator — most collectors treat a returned item as a dead balance. We treat it as a file to be worked.
Receivables
Charged-off and delinquent account balances across enterprise creditors, banks, and retailers — recovered under a first-party or third-party posture that adapts to the account, not the other way around.
Employee obligations
Sign-on bonus clawbacks, educational-assistance repayment, payroll overpayments, and former-employee balances — worked with the state-by-state remedy discipline these obligations require.
Built by practitioners
Recovery that reads clean in an audit.
The posture shifts with the account — first-party cure and third-party collection run on the same channels, under the framework each account actually calls for. Every touch is logged. Every notice is where it belongs.
Read our compliance posture →Bring us the file everyone else wrote off.
A short working session — your portfolio, our engine, a tailored look at what recovery would run on it.
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