The Price of Getting Paid – Understanding Debt Recovery Service Costs

The True Cost of Recovering Unpaid Debts

Debt recovery agency costs typically range between 20% to 50% of the amount collected when operating on a contingency fee basis, with the following common pricing structures:

• Contingency fees: 20-50% of collected amount (only pay if debt is recovered)
• Flat fees: $15-$25 per account regardless of outcome
• Tiered fees: Rates decrease as debt value increases (e.g., 25% for debts under $5,000, 15% for debts over $50,000)
• Age-based fees: Older debts cost more (e.g., 20% for debts under 90 days, 40% for debts 1-2 years old)

When your Spanish clients aren't paying, the financial impact goes beyond the missing revenue. Cash flow problems, wasted resources chasing payments, and the frustration of navigating unfamiliar Spanish debt collection laws can severely impact your business operations. Understanding the costs associated with professional debt recovery services is crucial before engaging an agency.

Debt recovery agency costs vary significantly based on several factors, including the age and size of the debt, the complexity of your case, and the fee structure you choose. Most agencies operate on either a contingency basis (where you only pay if they collect) or a flat fee model (where you pay regardless of outcome).

The good news? For international businesses dealing with Spanish debtors, many agencies offer commission-only models with no upfront costs. This means your financial risk is minimized while still getting professional assistance with your overdue invoices.

As debt ages, recovery rates decline dramatically – by approximately 1% per week. After six months, there's only a 50% chance of collecting, and after two years, this drops to around 10%. This declining probability directly impacts the fees charged by collection agencies, with older debts typically incurring higher percentage rates.

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Understanding Debt Recovery Agency Fee Structures

When you're facing unpaid invoices from Spanish clients, understanding how debt recovery agencies charge for their services is crucial before making any decisions. At Collection Agency Spain, we believe in being completely transparent about our fee structures so you know exactly what to expect.

The debt collection industry typically operates using several distinct pricing models, each designed to suit different business needs and debt situations. Let's explore these options so you can determine which makes the most sense for your specific circumstances.

Contingency Fee Model Explained

The contingency fee model is by far the most popular pricing structure in debt recovery—and for good reason. Under this arrangement, you only pay if we successfully recover your money. As we often say at Collection Agency Spain, "Commercial debt recovery is an art not a science," and this approach perfectly aligns our interests with yours.

Typical debt recovery agency costs under the contingency model follow a sliding scale based on several key factors. For debt size, the percentages typically decrease as the amount increases—claims under €1,000 might incur fees of 40-50%, while debts over €500,000 might only cost 10-15% of the recovered amount.

The age of the debt also significantly impacts fees. Fresh debts under 90 days might cost around 20% to recover, while older debts of 1-2 years could command fees of 40% or more. This reflects the reality that older debts are much harder to collect.

The contingency model is particularly beneficial if you're worried about cash flow, as it requires no upfront investment. As one of our clients aptly put it: "I don't want to throw good money after bad." With our No Win No Fee Debt Recovery approach, we bear all the risk—if we don't recover your money, you don't pay a cent.

For international businesses dealing with Spanish debtors, this commission-only approach minimizes your financial exposure while maximizing the potential for successful recovery—which is exactly what you want when dealing with cross-border debt.

Fixed Fee and Flat Rate Options

While contingency fees dominate the industry, fixed fee or flat rate options provide an alternative that some businesses prefer, particularly for certain types of debt portfolios.

Flat fee arrangements typically charge between €15-€25 per account regardless of the outcome. These packages usually include a standard series of collection activities: initial demand letters, follow-up communications, basic debtor contact attempts, and regular reporting on progress.

This model might be better suited to your situation if you have a high volume of smaller, relatively fresh debts (less than 90 days old), want complete budget certainty regardless of outcome, or are dealing with debtors who typically respond to initial collection efforts.

At Collection Agency Spain, while most of our clients prefer our contingency model for Spanish debt recovery, we're always happy to discuss flat fee options for specific situations where they might make more sense.

When evaluating Cost-Effective Debt Collection options, the fee percentage is just one factor to consider. An agency's success rate, experience with Spanish debtors, and overall approach to debt recovery are equally important considerations that can significantly impact your bottom line.

After all, paying a 30% fee to an agency that recovers 80% of your debts is far better than paying 20% to one that only recovers 40%. This is why at Collection Agency Spain, we focus not just on competitive pricing, but on maximizing your total recovery amount through our professional, persistent approach.

For more information about industry standards regarding collection agency fees, you can check out this helpful resource from IC System: How much do collection agencies charge?

Factors That Influence Debt Recovery Agency Costs

When it comes to recovering debts in Spain, not all cases are created equal. Several important factors determine how much you'll pay for professional debt recovery services – and understanding these can help you make smarter decisions about when and how to pursue unpaid invoices.

How Debt Age Impacts Recovery Costs and Success Rates

Time is truly money when it comes to unpaid invoices. The longer a debt remains unpaid, the harder (and more expensive) it becomes to recover. This isn't just a feeling – it's backed by hard data that shows recovery probability decreases by roughly 1% every week a debt ages.

"By the time a debt is 6 months past due, there is only a 50% chance of collecting"

This sobering reality directly affects the fees you'll pay. At Collection Agency Spain, we structure our pricing to reflect these diminishing returns:

For fresh debts under 90 days old, we typically charge around 20% contingency fees. These recent invoices still have excellent recovery potential, making them relatively straightforward to collect.

Once debts cross the 90-180 day threshold, we see recovery rates begin to decline more noticeably. Our contingency fees adjust accordingly to about 25%, reflecting the additional work required.

By the time invoices reach the 6-12 month mark, recovery becomes significantly more challenging. Success rates drop to approximately 50%, with contingency fees increasing to 33% to account for the additional resources needed.

For old debts between 1-2 years, the picture becomes rather bleak. With only about a 10% chance of successful collection, contingency rates climb to around 40%, reflecting the substantial effort required to recover these challenging accounts.

The message couldn't be clearer – early action saves money. The longer you wait to engage professional help, the more it will cost as a percentage of what you recover (if anything). This is why we always encourage our clients to refer problematic accounts to us as soon as payment issues arise. Our team can begin work immediately, with investigators and lawyers across Madrid, Barcelona, Valencia and other major Spanish cities ready to maximize your recovery chances.

The Relationship Between Debt Value and Agency Fees

The size of your unpaid invoice significantly impacts the fees you'll pay. Similar to how banks offer better interest rates for larger deposits, debt recovery agencies typically charge lower percentage fees for larger debts – it's simple economics of scale.

For micro debts under €1,000, you'll typically see the highest percentage fees, around 40-50%. This reflects the reality that the fixed costs of collection represent a larger proportion of smaller claims.

With small debts between €1,000-€5,000, the rates generally improve to 25-35% as the economics become more favorable.

For medium-sized claims between €5,000-€50,000, contingency rates typically drop to 20-25%, making professional recovery increasingly cost-effective.

When dealing with large debts between €50,000-€500,000, the rates become even more attractive at 15-20%, reflecting the improved economics of larger recoveries.

For major claims exceeding €500,000, you'll generally see the lowest rates of all, often around 10-15%, as these represent significant recoveries even at lower percentage fees.

Many agencies set minimum fee thresholds to ensure it's economically viable to pursue smaller claims. At Collection Agency Spain, we take a more personalized approach, evaluating each case individually based on specific circumstances, debtor profile, and collection potential.

For international businesses dealing with Spanish debtors, understanding these debt-value pricing tiers helps tremendously when deciding which unpaid invoices to pursue professionally. Our experience has shown that combining early intervention with appropriate case selection maximizes your Debt Collection Success Rates while keeping debt recovery agency costs reasonable.

The Complete Debt Recovery Process and Associated Costs

Understanding the debt recovery process in Spain and its associated costs at each stage helps businesses make informed decisions about when and how to engage professional services.

The journey to recover your money follows a structured path, with different costs appearing at each milestone. Let's walk through what you can expect when working with a professional debt recovery agency in Spain.

Pre-Legal Debt Recovery Costs

The pre-legal phase is your first line of attack against unpaid debts – and thankfully, it's also the most cost-effective. This is where we roll up our sleeves before any courtrooms get involved.

When you work with Collection Agency Spain, our pre-legal efforts begin with a thorough initial assessment of your case. We'll review your documentation, verify the claim details, and craft a recovery strategy custom to your specific situation and the debtor's profile.

Next comes the formal communication. Our professionally crafted demand letters (sometimes called Letters Before Action or LBAs) make it crystal clear that you mean business. These typically cost between €50-€300 depending on complexity and whether they need to meet specific legal requirements. The right letter can work wonders – it's amazing how quickly some debtors find their checkbooks when they receive an official-looking document!

Our multilingual team also handles direct debtor contact through phone calls, emails, and sometimes SMS communications. This personal touch often makes the difference, especially in Spanish business culture where relationship management matters even during difficult conversations.

For those elusive debtors who seem to have vanished into thin air, we employ skip tracing and location services. Our investigators are remarkably good at finding people who don't want to be found. These specialized services typically cost around €45-€75 per trace – a small price to pay for tracking down someone who owes you money.

The final piece of the pre-legal puzzle involves negotiation and payment arrangements. Sometimes debtors genuinely can't pay the full amount immediately, and a reasonable installment plan is the most practical solution for everyone.

The Spanish approach to pre-legal recovery (called the "extrajudicial" or amicable process) follows cultural norms that value face-saving and relationship preservation, even during difficult financial discussions. This cultural sensitivity is something we've mastered at Collection Agency Spain, and it significantly improves recovery rates.

Legal Action and Litigation Expenses

When friendly approaches fall short, it's time to let the courts handle things. Legal action brings additional debt recovery agency costs, but sometimes it's the only language certain debtors understand.

The legal journey begins with court filing fees, which in Spain vary based on your claim amount:

• Small claims up to €300 cost just €35 to file
• Claims between €300.01-€1,500 cost €55
• Claims between €1,500.01-€3,000 cost €115
• Claims between €3,000.01-€6,000 cost €205
• Claims between €6,000.01-€10,000 cost €455
• Larger claims between €10,000.01-€200,000 cost 5% of the claim value (though this is capped at €10,000)

Once your case enters the court system, legal representation becomes essential. At Collection Agency Spain, our network of specialized lawyers across Madrid, Barcelona, Valencia, and other major Spanish cities ensures your claim is professionally handled no matter where your debtor is located.

After securing a judgment in your favor (which typically takes 8-12 months in straightforward cases), you'll face judgment and enforcement costs to actually collect your money. These include fees for specific legal actions: €135 plus VAT for a Writ of Control, €300 plus VAT for an Attachment of Earnings Order, €300 plus VAT for a Charging Order, and €300 plus VAT for a Third Party Debt Order.

If your debtor decides to contest the case, additional litigation costs may apply. These are typically charged at hourly rates: €260-€375 for partner-level work, €125 for paralegal services, and €90 for debt recovery assistants. We'll always discuss these potential costs with you before proceeding further.

It's worth noting that the Spanish judicial system moves at its own pace. Simple cases might resolve in 8-12 months, but complex disputes involving amounts over €6,000 can stretch to two years. Patience becomes an important virtue in these situations.

As Commercial Debt Recovery Experts, we guide you through each stage of this process with transparent cost information and strategic advice. We'll never recommend legal action unless we believe it's truly in your best interest and has a reasonable chance of success.

The decision to escalate from pre-legal to legal recovery isn't one to take lightly – it involves additional costs and time. But when dealing with stubborn debtors who've ignored all reasonable attempts at resolution, sometimes the court system is your most effective recourse. We'll help you make that decision with confidence, based on our extensive experience with Spanish debt recovery.

Comparing Debt Recovery Agencies vs. Debt Collection Lawyers

When you're facing unpaid invoices in Spain, one of the first decisions you'll need to make is whether to partner with a specialized debt recovery agency or work directly with a debt collection lawyer. It's a bit like choosing between a general practitioner and a specialist for a medical issue – both can help, but they offer different approaches and cost structures.

When to Choose an Agency Over a Lawyer

I often get asked by clients, "Should I hire your agency or go straight to a lawyer?" The answer depends on several practical considerations:

Cost Structure Differences make a huge impact on your bottom line. At Collection Agency Spain, we operate primarily on a contingency fee basis – meaning we only get paid when you get paid. This "no win, no fee" approach eliminates upfront costs and financial risk for you.

Lawyers, on the other hand, typically charge by the hour (anywhere from €100-€300), require fixed fees for specific actions, or sometimes use a hybrid model with both retainers and contingency fees.

Let me give you a real-world example: A construction company owed €40,000 might pay us a 20% contingency fee (€8,000) if we're successful, walking away with €32,000 in their pocket. That same company might pay a lawyer €200 per hour regardless of outcome – potentially accumulating significant costs without any guarantee of recovery. For many businesses, especially those watching cash flow, our approach simply makes more financial sense.

Case complexity should guide your decision too. If you're dealing with a straightforward unpaid invoice where the debtor simply hasn't paid but doesn't dispute the debt, an agency like ours can typically handle this efficiently and cost-effectively. We've developed streamlined processes specifically for these situations.

However, if your case involves complex legal questions, contractual disputes, or you're almost certain it will end up in litigation, starting with a specialized lawyer might be more appropriate. Think of it as using the right tool for the job.

Timing and urgency matter when recovering debt. Our agency approach typically resolves many cases within 14-30 days during the pre-legal phase. We've refined our process to move quickly because we understand cash flow matters to your business. Legal proceedings through attorneys often follow a different timeline – they may take longer to initiate but provide immediate access to court procedures when necessary.

Relationship preservation is something we take seriously at Collection Agency Spain. Many of our clients want to recover their money while maintaining the possibility of future business with the debtor. Our professional yet firm approach aims to preserve business relationships where possible, which often works well in Spanish business culture where maintaining connections is highly valued.

Industry knowledge can make all the difference in debt recovery success. Our team has developed deep experience in specific industries and understands the nuances of Spanish business practices, payment norms, and cultural factors that influence debt resolution. This specialized knowledge often leads to more successful outcomes than a general legal approach.

Hidden Costs and Additional Fees to Watch For

When evaluating debt recovery options in Spain, it's crucial to look beyond the headline rates. Many providers have hidden costs that can significantly impact what you'll actually pay.

Administrative charges can quickly add up. Some agencies charge extra for routine tasks like handling debtor correspondence (€10-€50 per item), checking company registers (€20-€75 per search), processing partial payments (€15-€30 per transaction), sending follow-up letters (€25-€50 each), or even file closure fees (€50-€150). Always ask for a complete breakdown of potential charges before signing any agreement.

Legal consultation fees might appear even with contingency-based agencies if legal advice falls outside the standard recovery process. At Collection Agency Spain, we're transparent about when additional legal counsel might be needed and what it would cost.

Skip tracing and investigation costs can be unexpected surprises. When debtors change address or deliberately avoid contact, locating them requires additional work. Basic skip tracing might cost €45-€75, while more advanced investigation could run €100-€300. We always discuss these potential costs upfront so you're never caught off guard.

Enforcement expenses come into play after you've won a judgment but the debtor doesn't voluntarily pay. Actions like instructing High Court Enforcement Officers (€135-€300), dealing with abortive enforcement attempts (€150-€250), or bailiff fees vary based on the specific action required. These costs are unavoidable in some cases but should be clearly explained before you proceed.

VAT considerations are often overlooked in initial conversations. VAT (currently 20%) applies to most debt recovery services. If you're VAT-registered, this is typically recoverable, but non-VAT registered businesses must absorb this additional cost. We always include VAT information in our quotes to avoid any surprises.

At Collection Agency Spain, we believe in transparent pricing with no hidden fees. Our commission-only model means you only pay when we recover your money, with all potential costs clearly explained from the start. We've found that this straightforward approach builds trust and long-term relationships with our clients – something we value more than a quick commission.

Maximizing ROI on Debt Recovery Agency Costs

When you're investing in debt recovery services, you want to make sure every euro spent brings maximum returns. It's not just about recovering your money – it's about doing so in the most cost-effective way possible.

Recoverable Costs Under Late Payment Legislation

Here's something many businesses don't realize: you can often recover the costs of debt collection from the debtor themselves. Thanks to EU late payment legislation that applies in Spain, creditors have powerful tools at their disposal.

Fixed compensation amounts are available based on the size of your debt. For smaller debts up to €999.99, you can claim €40. Medium-sized debts between €1,000 and €9,999.99 allow for €70 in compensation, while larger debts over €10,000 entitle you to €100.

Beyond these fixed amounts, you can add statutory interest at a rate of 8% above the European Central Bank base rate. This can substantially increase your recovery, especially for debts that have been outstanding for many months or years.

What about the costs of hiring Collection Agency Spain? Good news – reasonable recovery costs can often be added to your claim. This may include our agency fees, legal expenses, and administrative costs incurred while pursuing the debt.

"We routinely incorporate these additional charges into claims for our clients," explains our lead recovery specialist. "Many clients are pleasantly surprised to learn they can recover not just their original debt, but additional compensation that sometimes covers our entire fee."

For businesses dealing with debtors across Europe, the European Order for Payment Procedure offers a standardized process for cross-border debt recovery, making the entire process more straightforward and predictable.

Evaluating Agency Performance Beyond Fee Percentages

While it's tempting to choose a debt recovery partner based solely on who charges the lowest percentage, that approach often backfires. When maximizing your ROI, consider these crucial performance factors:

Recovery success rates tell a more complete story than fee percentages alone. An agency charging 25% with a 75% success rate will deliver better returns than one charging 20% but recovering only half your debts. At Collection Agency Spain, we're proud of our track record – we successfully recover approximately 8 out of 10 accepted cases.

Speed of recovery directly impacts your cash flow. Why wait months when you could have your money in weeks? Our straightforward cases typically resolve within 14 days, though more complex situations naturally take longer. As one client told us, "Having the money back quickly allowed us to reinvest in our business rather than waiting in limbo."

How your debtors are treated matters for your business reputation. Our approach balances firmness with professionalism – we're assertive enough to get results but diplomatic enough to preserve relationships where appropriate. This is especially important in Spain, where business relationships are highly valued.

Reporting and transparency give you peace of mind and control throughout the process. Our online portal provides 24/7 access to case status updates, so you're never left wondering what's happening with your money.

Advanced technological solutions dramatically improve recovery efficiency. Our sophisticated skip-tracing capabilities help us locate elusive debtors, while our automated communication systems ensure timely follow-ups without gaps or delays.

Geographic coverage makes a significant difference in Spain, where local knowledge and presence can open doors. With teams in Madrid, Barcelona, Valencia, Malaga, Marbella, and Bilbao, we offer truly nationwide coverage with local expertise that understands regional business cultures.

"The ROI on professional debt recovery isn't just about the percentage you pay," notes our director. "It's about the total amount recovered, how quickly you get it, and whether the process preserves valuable business relationships along the way."

By focusing on these performance factors alongside fee structures, you'll find a Debt Collection Agency Spain partner that delivers genuine value – not just the lowest advertised rate. When you work with us, debt recovery agency costs become an investment with measurable returns rather than just another expense.

Frequently Asked Questions about Debt Recovery Agency Costs

What is the average cost of hiring a debt recovery agency?

When businesses ask me about debt recovery agency costs, I always explain that there's no one-size-fits-all answer. Typically, you can expect to pay between 20% and 50% of the recovered amount when working with agencies that operate on a contingency basis.

Think of it this way – if your Spanish customer owes you €10,000, you might pay between €2,000 and €5,000 to the agency, but only if they successfully recover your money. If they don't collect anything, you don't pay a cent.

The exact percentage varies quite a bit depending on several factors. Larger debts generally come with lower percentage fees (good news if you're trying to recover substantial amounts). A €100,000 debt might incur a 15% fee, while a €2,000 debt could be closer to 30%.

The age of your debt plays a huge role too. Fresh invoices that are just a month or two overdue are much easier to recover than those lingering for years. That's why agencies typically charge lower percentages for newer debts – they're simply more likely to be successful.

Other factors that influence pricing include how complex your case is, what industry you're in (some sectors are notoriously difficult for collections), and even where your debtor is located within Spain.

At Collection Agency Spain, we structure our fees competitively, with rates that decrease as the debt value increases. Most of our clients find that recovering 70-80% of a previously written-off debt provides excellent value – after all, something is infinitely better than nothing!

Do debt recovery agencies charge upfront fees?

"Will I need to pay anything before you collect my money?" This is one of the most common questions we hear from potential clients.

The good news is that most reputable debt recovery agencies in Spain, including our team at Collection Agency Spain, operate on a "no collection, no fee" basis. This means you don't pay a single euro unless we successfully recover your money.

This contingency model creates a perfect alignment of interests – we only succeed when you get paid. It eliminates any financial risk for you while ensuring we're highly motivated to recover your funds.

Some agencies do work differently, though. You might encounter:

• Agencies charging flat fees upfront (typically €15-€25 per account) regardless of whether they collect anything
• Hybrid models where you pay an initial fee for preliminary work, followed by contingency fees if they're successful
• Subscription models for businesses with ongoing debt management needs

Be particularly cautious about agencies that want both upfront fees and contingency fees on the same account. This approach can significantly increase your costs without necessarily improving your chances of recovery.

When speaking with potential debt recovery partners, always ask clearly about their fee structure. A trustworthy agency will be completely transparent about how and when they charge for their services.

How does the age of debt affect collection costs?

Time is truly money when it comes to debt recovery agency costs. The older a debt gets, the harder it becomes to collect – and this reality is reflected directly in the fees you'll pay.

Fresh debts (less than 90 days old) typically incur the lowest contingency fees, around 20%, because they're relatively easy to recover. The debtor likely still remembers the transaction, hasn't moved addresses, and may simply need a professional nudge to pay up.

As debts age, both the difficulty and the costs increase steadily:

• 3-6 months old: Fees climb to approximately 25%
• 6-12 months old: Expect around 33% with only about a 50% chance of recovery
• 1-2 years old: Fees jump to roughly 40%, reflecting the fact that only about 10% of these debts are typically recoverable
• Over 2 years: Highest fees (40-50%) with minimal recovery chances

Industry statistics show that each week that passes reduces the likelihood of successful recovery by approximately 1%. It's a sobering thought – waiting just a few months to address an unpaid invoice can dramatically reduce your chances of ever seeing that money.

I often tell clients that the best debt recovery strategy is early intervention. Don't wait until the debt has aged significantly before seeking professional help. This is particularly true when dealing with Spanish debtors, where local knowledge of business practices and cultural nuances can make all the difference.

The bottom line? If you're considering professional debt recovery, don't delay. The sooner you act, the lower your costs will be and the higher your chances of successful recovery.

Conclusion

Navigating debt recovery agency costs in Spain might seem daunting at first, but I hope this guide has helped clear the fog. Throughout our journey together, we've seen that the true cost of debt recovery isn't just about percentages—it's about weighing those costs against the very real possibility of never seeing your money again.

When considering professional debt recovery services in Spain, remember these important points:

Time truly is money when it comes to unpaid invoices. With each passing week, your chances of recovery drop by about 1%. Those fresh invoices sitting on your desk right now? They're your best candidates for successful recovery at the lowest cost. The longer you wait, the more expensive the process becomes and the less likely you'll see results.

The way agencies structure their fees matters tremendously to your bottom line. Contingency fees align everyone's interests—the agency only gets paid when you do. While those 20-50% rates might initially seem steep, they often provide better value than flat fees that charge you regardless of outcome.

Every debt tells its own story. The age of your invoice, how much money is owed, and the complexity of your situation all directly impact both the likelihood of recovery and what you'll pay for the service. A €5,000 invoice that's two months overdue presents a very different scenario than a €50,000 debt that's two years old.

Looking beyond simple percentages often leads to better outcomes. An agency with slightly higher fees but significantly better recovery rates, faster timelines, and deeper understanding of Spanish business culture might deliver far better value in the long run.

Don't overlook the power of legislation to help offset your costs. Under EU and Spanish law, you can often add collection costs, compensation, and interest to the debt—potentially covering a significant portion of your recovery expenses.

At Collection Agency Spain, we've built our reputation on transparency and results. Our commission-only approach means exactly what it sounds like—you pay nothing unless we recover your money. With our network spanning Madrid, Barcelona, Valencia, Malaga, Marbella, and Bilbao, we bring local expertise to every corner of Spain.

Our team combines the investigative skills of private detectives with the legal knowledge of experienced lawyers. This unique approach allows us to be professionally persistent without crossing legal or ethical lines. We understand that each business and each debt situation is unique, which is why we never use one-size-fits-all solutions.

Whether you're dealing with a single problematic customer or managing dozens of delinquent accounts across Spain, our competitive rates and proven methods make us an ideal partner. We've helped countless businesses just like yours turn frustrating unpaid invoices into recovered revenue.

Don't let those unpaid Spanish invoices keep you up at night any longer. Reach out to our Commercial Collection Agency Spain team today to discuss how we can help you recover what you're rightfully owed—without upfront costs or unnecessary risks.

After all, the money we recover isn't just any money—it's your money, and you've waited long enough for it.