Compliance posture
Compliance is the product, not the paperwork.
Payment Recovery Group is run by practitioners who answer for the file. The recovery works because the compliance works — and the two are not separable here.
Framework by posture
First-party cure and third-party collection are distinct regulatory frameworks. We apply the one the account actually sits in, and shift as the account's posture changes.
Audit trail on everything
Every call, message, letter, and payment is logged to the account. The record is built to be produced, not reconstructed.
State remedy discipline
Available remedies vary by state and by obligation type. We work an obligation-by-obligation, state-by-state map rather than a single template.
Notices on-surface
Required consumer notices are served where the consumer actually is — including the mini-Miranda on every consumer-facing surface.
Licensing
Payment Recovery Group is licensed where required and operates in compliance with applicable state and federal law. State-specific licensing detail is published as each jurisdiction is verified.
State-specific notices may apply.