Capabilities

Every way a payment fails, worked to one standard.

A bounced check, a charged-off balance, an obligation never paid — three ways a payment fails to complete. All three run on one engine and one compliance spine.

CAP · 01 A payment that bounced

Returned-check recovery

A returned check reaches us however it comes — an X9.100-187 image cash-letter file, an X9 return, or a paper item — with a return reason and a dishonored amount. Most recovery operations treat that as a closed loss. We treat it as an open file: ingested, verified, enriched, and worked to resolution or informed write-off.

The item is followed from the file forward — redeposit windows, second returns, and party-type classification handled as first-class states rather than exceptions, so nothing recoverable is quietly abandoned.

CAP · 02 Breadth

Receivables recovery

Charged-off and delinquent balances for enterprise creditors, banks, and retailers. Outreach runs across voice, message, and letter under the regulatory framework the account actually sits in — first-party cure when the relationship is intact, third-party collection when it is not.

The consumer sees one coherent process; the compliance posture underneath adapts to the account.

CAP · 03 Specialist book

Employee-obligation recovery

Sign-on bonus clawbacks, educational-assistance repayment, payroll overpayments, relocation, and former-employee balances. These obligations often originate in employment rather than consumer credit, which changes both the applicable framework and the available remedies.

We work them with a state-by-state remedy map — where wage garnishment is available, where a bank levy is the primary path, where a separate order is required each pay period — rather than a one-size template.

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