Commercial Collections for B2B Debt Recovery.
When payment stalls, JSD steps in with professional B2B collection work that recovers past-due invoices while protecting the relationship.
“How you collect matters as much as what you collect.”
Founding principle, 1997.
Trusted since 1997. Fortune 500s to family businesses.
Request a Free Account Review
No fee unless we collect. Most accounts reviewed within one business day.
Commercial Collections for B2B Debt Recovery.
Internal follow-up has limits. When payment stalls and communication breaks down, JSD steps in with professional B2B collection work that recovers past-due invoices while protecting the customer relationship.
“How you collect matters as much as what you collect.”
Founding principle, unchanged since 1997.
Trusted by Fortune 500s and family-owned businesses alike since 1997.
Request a Free Account Review
No fee unless we collect. We review most accounts within one business day.
Contingency
Fee Structure
B2B only
Focus
Nationwide
Reach
Since 1997
Founded
Fee Structure
Contingency only
Paid on results
Focus
B2B exclusively
Commercial accounts only
Reach
Nationwide
Licensed & bonded
Founded
Since 1997
28+ years · Gov. & institutional clients
When to Place
When to send a business account to collections.
Four signs the balance is no longer moving on its own.There is no universal day on the calendar when an account should go to collections. But there are clear signs the balance is no longer moving on its own, and waiting past them usually costs you money. These are the four worth acting on.
60 to 90 days past due
Broken payment promises
The debtor has gone silent
A dispute you cannot resolve
60 to 90 days past due
The invoice has aged past your normal terms and your routine reminders have run their course without payment.
Broken payment promises
You have been told a check is coming more than once, and the date keeps moving without anything arriving.
The debtor has gone silent
Calls and emails that used to get answered now go nowhere, and you are no longer sure who to reach.
A dispute you cannot resolve
The balance is tied up in a disagreement that has stalled, and internal back-and-forth is not closing the gap.
Once you see the signs, there are really only two paths.
In-house follow-up vs. placing with JSD.You can keep the account in-house and chase it between everything else your team already does, or you can place it with a third party whose only job is recovering it. Here is how those two paths actually play out.
In-house
- Time lost to follow-up
- Easy to ignore
- Balance keeps aging
- Write-off gets closer
With JSD
- Team time comes back
- Signals it is serious
- Worked full-time
- No fee unless we collect
Chasing it yourself
The time it takes is worth more than it looks
Every hour spent chasing a balance is an hour your team is not growing the business.Time is money, and the hours your people spend chasing a balance are hours they are not spending on the work that actually grows the business. That lost production rarely shows up on a budget, but it is the real cost of keeping recovery in-house.
- Every hour spent on follow-up is an hour of lost production no one is invoicing for
- A controller or credit manager's time is worth far more than their hourly pay, yet that is what collections quietly consumes
- A polite reminder is easy to ignore from a vendor the customer is still doing business with
- By the time you escalate, the contact who owed you has moved on or stopped replying
- Every week it ages, the odds of full recovery drop and the write-off gets closer
Result · The invoice ages while your team's time disappears
Placing it with JSD
You get the balance worked and your team's time back
Place the account, get your team's time back. You pay nothing unless we collect.The moment you place the account, the hours go back to your team and the recovery becomes our job. There is no payroll cost to weigh against it either, because you pay nothing unless we collect, so the time you save is pure gain.
- Your people go back to the work that grows the business while we carry the entire follow-up
- A dedicated team works the account full-time, not in the gaps between other duties
- A call from a collection agency signals the account is now serious in a way an internal reminder never does
- We locate the right decision-maker and rebuild the account history before we make contact
- You pay nothing unless we actually recover the money, so there is no cost competing with the time you save
Result · The balance moves and your team's time comes back
Our Approach
What we believe about collecting a debt.
A debt can be collected without burning the relationship behind it. Here is how we work.We believe a debt can be collected without burning the relationship behind it. Most businesses wait too long to place an unpaid invoice because they fear a collection agency will go in hard, alienate a customer they may still want to keep, and make their own company look bad in the process. That fear is fair. The way we have worked since 1997 is built to make it unfounded, and it comes down to a few things we hold to on every account.
Professional pressure
Firmness and respect are not opposites
Real people
Every account gets human judgment
Your reputation
We represent your company like it is our own
Professional pressure
Firmness and respect are not opposites
The agencies people fear lean on intimidation because it is easier than doing the work. A debtor who is treated like a business is far more likely to pay and far less likely to dig in.
Real people
Every account gets human judgment
Your account is never dropped into an automated queue or an offshore call center. A real collector works the file directly and knows its history.
Your reputation
We represent your company like it is our own
When we call your customer, we are an extension of your business. We protect the relationship you may still want next quarter.
Founded 1997
JSD was founded to bring respect, ethics, and integrity to an industry known for the opposite. Nearly three decades later, our commitment is unchanged.
How well does your agency know you?
Understanding your business is in our best interests.
We read the contracts, learn what you sell, and build a real understanding of the account before a collector ever picks up the phone.We take a real interest in the companies we work with. We read the contracts, we get to know what you actually sell and how your process runs, and we build a genuine understanding of the account. That gets passed on to our collectors, who take an interest of their own, so the person calling on your behalf can speak to your customer with real understanding and reach the right agreement.
Timing
Why timing matters in collections.
Earlier intervention usually means more options, better communication, and a higher likelihood of resolution.
The earlier an account is placed, the more of the balance survives.
Fresh accounts
Most balances at one month still resolve with a single follow-up.
Aging accounts
Responses slow, disputes surface. Nearly half the balance is at risk.
Stale accounts
Recovery is limited. Most of the balance has hardened into a write-off.
Figures reflect the standard industry delinquency curve and are shown to illustrate the pattern, not to guarantee any individual result. The point holds at every stage. The earlier an account is placed, the more of the balance survives.
Process
What happens after you place an account.
From the invoice you send us to the day the balance is resolved, here is exactly what the process looks like.
We learn the business.
We reach the right person.
We hear them out.
We guide them to pay.
We learn the business.
We research the company, who runs it, and who can authorize payment — so the first call is informed, not a cold guess.
We reach the right person.
We reach out across every avenue until we have the correct decision-maker. We do not give up after one voicemail.
We hear them out.
A real member of our team talks with the customer, never a dialer. We get their view and understand why the balance went unpaid.
We guide them to pay.
We guide the customer to a payment or a workable plan. Recovered funds are remitted with a detailed report.
You can run this process internally, and on fresh invoices you often should. But there is a point where more follow-up stops moving the account and starts confirming to the debtor that waiting carries no real cost. The customer has already heard from you. Another call from your staff is still a call from the creditor they have decided to ignore.
Collections carries a reputation, and while most of that negative perception is unfair to the actual work, debtors respond to it. When a third party is on the account, the conversation changes. The invoice that could wait until next month becomes a balance they want cleared up. This leverage is something an internal team cannot manufacture, because the weight behind it only exists when the caller is genuinely outside the relationship.
Why that reputation exists, and why it works in your favorReady for a no-pressure conversation?
Operations
Payment processing and reporting.
Payments remitted to JSD or directly to you, with full reporting on every recovery.
Remittance
Funds remitted twice monthly
Reporting
Full transparency on every account
Remittance
How payments are collected
Your customer can remit directly to JSD in any format, or pay you directly. We accept:
- Mail payments
- Wire transfers
- Postdated checks
- ACH transfers
- Pre-authorized checks
Reporting
What you see on every statement
Each time a payment comes in, it appears on your statement with the full detail behind it:
- Name of the debtor
- JSD account number
- Your identification number
- Gross payment amount
- Date of payment
- Remaining balance owed
Client Voice
“After a few horrific experiences with past agencies, I found JSD. They collected on three accounts I had completely written off. The level of customer service they offer to a small shop like ours surprised me. They also work with Fortune 500 companies. Highly recommend.”
FAQ
Common questions about commercial collections.
Answers to common questions from businesses placing unpaid invoices for collection.
Using AI to compare agencies?
We encourage you to do your research.
Our guide shows how to use AI tools to compare commercial collection agencies, ask better questions, and verify what matters before placing accounts.
Read the AI Buying GuideGet Started
Get in touch with JSD.
We respond within one business day.We respond to every inquiry within one business day with a clear read of your situation and a path forward.
(302) 735-4628
Mon–Fri, 8AM–5PM EST
info@jsdinc.net
Responds within 24 hours
Dover, Delaware
Serving nationwide
Phone
(302) 735-4628
Mon–Fri, 8AM–5PM EST
info@jsdinc.net
Responds within 24 hours
Location
Dover, Delaware
Serving nationwide
Licensed & Bonded Nationwide · Member IACC · BBB A+ Rated · CLLA Certified
JSD Management Inc. · Est. 1997 · Dover, Delaware