Commercial Collection Agency
Past-due invoices need more than reminders.
JSD recovers past-due B2B invoices and commercial accounts nationwide and internationally. From Fortune 500 and federal placements to a single unpaid invoice, every account is handled with the same professional attention.
Track Record
$4.2B+
Total commercial placement volume since 1997.
- Companies supported
- 11,500+
- Accounts managed
- 750,000+
IACC Sustaining Member · BBB A+ rating
Trusted by Fortune 500s and family-owned businesses alike since 1997.
How We Move Accounts Forward
From stalled to recovered.
When internal or automated follow-up stops getting responses, we step in with a different approach. Our goal is simple: recover what you're owed while protecting the relationship where possible.
Explore commercial collection services- Same day
We get our bearings.
We review the balance, paperwork, terms, and customer history before the first call goes out.
- 1 to 30 days
We reach the decision-maker.
We find the person who can authorize payment and move the receivable back to the top of the list.
- Through resolution
We protect the relationship where possible.
We work toward payment in full or a workable plan, document disputes, and keep the process professional.
Remittances show you where the file stands.
Each remittance arrives with the account detail behind it, and detailed status reporting is available whenever you want it.
- No recovery, no fee
- Trust account for client funds
- IACC Sustaining Member
- CLLA certified team member
- Direct access to our team
Engagement
How we support your team.
We read the contracts, learn what you sell, and build that familiarity over time.Every B2B account comes with its own history. We read the contracts, learn what you sell and how your process works, and build that familiarity over time. We can step in at different stages, from restarting stalled accounts to post-90-day commercial collections and further escalation when needed.
Supporting Engagement
Restarting stalled accounts
When communication breaks down or an account loses momentum, we re-establish contact, coordinate payments or reinstatements, and manage follow-up.
Primary Service
Professional B2B collections
When internal efforts stop producing results, we take over direct collection activity with structured outreach, documentation, account evaluation, and ongoing communication.
Supporting Engagement
Additional collection steps
When an account requires more, we coordinate equipment pickups, skip tracing, attorney referral, and legal escalation based on the account history and desired outcome.
Curious what that actually looks like day to day?
See how working with JSD actually works, from what we need to open a file through when remittances go out.
Client Feedback
What clients say about working with us.
Featured Quote
We are a business to business catalog sales company that generates volumes of smaller, under $1000 accounts but with very sketchy and usually unverified ownership information and yet the collection specialists at JSD manage to collect a great majority of the accounts we turn over to them.
More From Our Clients
Allyson F.
Client
Please be advised that they came by and paid in full Friday. Thank you so much for your help. You did in one week what we have not been able to do for five (5) months.
Nick Sons
Small Business Owner
After having had 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.
Dane Negrey
Verified Google Review
I realize the collections process is never a pleasant one, either for the collector or the debtor. I can only speak to my experience with JSD, which was overall a good one. They helped us collect a debt from a client that had disappeared for over five months after we produced and delivered custom merchandise for them. After many lost hours trying to collect the debt ourselves, we employed JSD's services and they were able to recover our funds. Alan and his team were a pleasure to work with, and we'll certainly be contacting them again if we're unable to collect payment from another client in the future.
About JSD
Founded on experience and excellence.
Over 29 years strong. Same ownership, same standards, since 1997. We've lasted because we deliver results the right way, year after year.
Founded in 1997 by Kelly Hedrick, JSD built its reputation on professionalism and results. Trusted by Xerox, GE, Microsoft, TechTarget, the USDA, and thousands of other businesses to recover what they are owed.
In 1997, Kelly Hedrick founded JSD Management Inc. with a vision born from frustration. After witnessing the decline of professionalism and personalized service in the business-to-business 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 commercial debt collection experience.
Over the years, JSD has been trusted by Xerox, GE, Microsoft, TechTarget, and thousands of other businesses to recover what they are owed from their customers. We have also represented U.S. federal agencies, including the United States Department of Agriculture (USDA). The accountability those relationships demand is the standard we bring to every account.
Heritage
Built on proven foundations.
Our original identity represents the timeless principles that continue to guide our work today.
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 B2B collections standards
2010s – Technology Integration
Merged cutting-edge technology with our proven personal approach
Today – Still Growing Strong
29+ years later, the same team continues to deliver exceptional results for clients nationwide
Our Mission
“To bring a new standard of respect, ethics and integrity to the tarnished reputation of the commercial collection industry. This will be achieved through the recruitment of intelligent, ethical, and expert staff to serve our clients, utilizing technology that will establish a new industry standard. Ultimately, our focus on rate of recovery and client service will become the benchmark for everyone in the industry, and will be the standard by which they will be judged.”
Contact Us
Talk to a real person.
No bots, no phone trees. A member of our team will respond within one business day.
1283 College Park Drive
Dover, Delaware 19904
Nationwide and international commercial collection services
Licensed, Bonded & Insured
Memberships & Accreditations
Send a message
Tell us about your accounts.
We'll respond within one business day.
FAQ
Common questions about commercial collections.
JSD charges a contingency fee, which is a percentage of the money we actually recover. Rates range from 10% to 50%, depending mostly on how old the account is and how large the balance is. Newer accounts and larger balances fall toward the lower end.
There is no setup fee, monthly charge, or upfront collection cost. You pay only when we recover money. The one exception is court and filing costs on accounts that go to suit, which you approve before anything is filed.
JSD accepts single accounts and has no hard minimum balance. Accounts under $200 are generally a poor fit for contingency collection, and we'll tell you before placement when recovery costs are likely to outweigh the return.
The basics are the debtor's name, address, and contact information, the amount owed, and any supporting documentation you have: invoices, purchase orders, signed contracts, and a record of prior collection attempts. The more complete the documentation, the more we can do with it. Accounts placed with a full paper trail move faster and give us more options if the account escalates.
JSD collects business-to-business debt only, meaning a business owes your business for goods or services sold on terms. Personal loans and bills owed by individual customers need a consumer collection agency.
JSD works with a network of outside commercial collection attorneys. If an account needs legal action, we explain why, what it's likely to cost, and wait for your approval before anything is filed.
Any settlement below the full balance and any legal action require your approval. Some clients give us standing authority to settle within a set percentage so we can close on the call, while others approve each offer individually.