JSD Management Inc.Professional Debt Recovery Services
JSD's ethical approach recovers 2–3x more than industry average while preserving business partnerships because we treat your customers like future clients, not just debts to collect.
No Recovery, No Fee - Recover what you're owed, without diverting your team.
Trusted by Fortune 500s and Family-Owned Businesses Alike







What We Do for Your Business
From early interventions to escalated collections, we partner with your team to design custom strategies that protect your cash flow, preserve your reputation, and recover what's owed.


A/R Management
Complete accounts receivable outsourcing with early intervention programs that prevent accounts from becoming severely delinquent.
- Pre-collect programs
- Early intervention strategies
- Complete A/R outsourcing

Legal Services
Attorney referral and legal forwarding services with full indemnification when standard collection efforts require escalation.
- Attorney referral network
- Legal forwarding services
- Full indemnification protection

Why Businesses Trust JSD
100% USA Based Operations Since 1997
Every delinquent account deserves a new beginning. We help get your customers back on track by eliminating the fear of owing a bill, while delivering results that exceed industry standards.
Relationship-First Approach
We preserve customer relationships while others burn bridges. Your customers become our priority, not just numbers.
Proven Higher Recovery
2-3x industry recovery rates with 27+ years of expertise. No offshore call centers, no language barriers.
Full Transparency
Real-time reporting, direct access to your collector, and no hidden fees. IACC member with BBB A+ rating.
Testimonials
Real feedback from businesses who trust JSD
"I want to express my heartfelt appreciation for your continued support and guidance. Your assistance has been instrumental during this critical phase, and I am deeply grateful for your unwavering commitment. I genuinely consider myself indebted to you, not just for your professional help, but for the trust and encouragement you have consistently shown."
💡 This testimonial came from a customer to our Sr. Executive Loss Mitigator
This is the difference our relationship-first approach makes. Instead of adversarial interactions, we build trust and cooperation that benefits everyone involved.
"Everyone we have had contact with at JSD has been very professional. We feel this professional demeanor has been key to the high rate of accounts collected for us."
"After having a few horrific experiences with past agencies I was able to find JSD, in which they have collected on 3 accounts that I had completely written off."
Our Mission
"To bring a new standard of respect, ethics and integrity to the tarnished reputation of the commercial collection industry. This is achieved through ethical and expert staff that serve our clients by establishing a new industry standard."
Founded on Experience & Excellence
Over 27 years strong. Few in our industry can say that, and even fewer can still explain why. We've lasted because we deliver results the right way, year after year.
In 1997, Kelly Hedrick founded JSD Management Inc dba James, Stevens & Daniels with a vision born from frustration. After witnessing the decline of professionalism and personalized service in the collections industry, she assembled a team of the industry's top performers, made up of people who shared her commitment to doing things the right way.
Today, that same team continues to work together, bringing decades of collective experience to every account. Our Sales Director brings over 30 years of industry expertise, while our Collections Manager has an equally impressive 35 years of hands-on collection experience.

Built on Proven Foundations
Our original identity represents the timeless principles that continue to guide our work today.
What sets us apart isn't just our longevity, it's our consistency. The same core team that built our reputation is still here, working with clients every day. We bring decades of real-world experience to the table, using today's technology to get better results without losing the human touch. Every debtor is treated with respect, because we believe professionalism and strong recovery don't have to be at odds.
Our Team's Core Strengths
Strong Negotiators
Clear communication that preserves customer relationships
Universal Knowledge
Deep understanding across diverse business sectors
Fearless Problem-Solving
Persistent pursuit of solutions for every challenge
Passionate Excellence
Individual passions united for client success
Experience Range: 6–36 years in collections per team member

Our Journey
1997 – The Beginning
Kelly Hedrick founded JSD with a mission to restore professionalism to commercial collections
Early 2000s – Building Excellence
Assembled our core team of industry veterans and established our ethical collection standards
2010s – Technology Integration
Merged cutting-edge technology with our proven personal approach
Today – Still Growing Strong
27+ years later, the same team continues to deliver exceptional results for clients nationwide
Understanding "No Recovery, No Fee"
It's not a gimmick. It's our confidence in delivering results
No Recovery, No Fee means you only pay when we succeed. There's zero upfront cost, zero monthly fees, and your success is our only priority.
Why This Model Works
Many businesses misunderstand "No Recovery, No Fee," thinking it's just a gimmick slapped on for image rather than a legitimate, professional service. But collections is our core expertise, and this model reflects our confidence in delivering real results.
Aligned Incentives
We only succeed when you do. Our interests are perfectly aligned with yours
Zero Financial Risk
No upfront costs, no monthly fees. You pay only when we recover your funds
Proven Confidence
27+ years of success gives us the confidence to work on contingency
How It Works
Ready to recover what you're owed with zero risk?
Frequently Asked Questions
Common questions about our collection process and services
Talk to a Real Person
We respond quickly. No bots, no delays.
Call Us
(302) 735-4628Email Us
info@jsdinc.netVisit Our Office
1283 College Park Drive
Dover, Delaware 19904
Service Area
Professional Collection Services
Licensed, Bonded & Insured Nationwide
Professional Memberships & Accreditations

Professional Member
International Association of
Commercial Collectors

BBB Accredited Business
A+ Rating
Better Business Bureau

CLLA Member
Collection Agency