Recover past-due B2B invoices while protecting valuable customer relationships. Our fee is contingent on recovery.
Confidential Account Review
Tell us what has gone unpaid.
We reach out within one business day. Placing the account stays your decision.
Commercial Collection Agency for Past-Due B2B Invoices.
JSD is a commercial collection agency that recovers past-due B2B invoices while protecting valuable customer relationships. Every account is handled directly by our team, and our fee is contingent on recovery.
“Respect, ethics, and integrity belong in commercial collections.”
Our standard since 1997.
Trusted by Fortune 500s and family-owned businesses alike since 1997
Confidential Account Review
Tell us what has gone unpaid.
We’ll review the account and contact you within one business day with a clear next step. There’s no obligation to place it with us
Fee Structure
Contingency only
15 to 50% of what we recover, by account age and documentation
Focus
B2B exclusively
Business to business accounts
Reach
Nationwide
Licensed and bonded
Founded
Since 1997
29+ years of placements
Fee Structure
Contingency only
Paid on results. Typically 15 to 50% of what we recover, depending on account age and documentation.
Focus
B2B exclusively
Business-to-business collections only
Reach
Nationwide
Licensed & bonded
Founded
Since 1997
29+ years · Gov. & institutional clients
A Typical Placement
When to send a B2B invoice to collections.
- Day 45Payment promised
- Day 60Promise moves again
- Day 94Calls and emails stop
At that point, the issue is no longer a routine late payment. The account is aging, communication is breaking down, and continued internal follow-up may just give the balance more time to harden.
Have an account like this?
Our Approach
Why businesses choose JSD for commercial collections.
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 work together
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.
How well does your agency know you?
Understanding your business is in our best interests.
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.
Trusted after other agencies fell short
“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.”
Process
How our commercial debt collection process works.
From a single commercial account to recurring high-volume placements, here is exactly what the process looks like. We accept files in any format, so see how placement intake works if you are sending volume.
We learn the business.
We research the company, who runs it, and who can authorize payment so the first call is informed and 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.
The process changes when the caller changes.
Your team should handle fresh invoices internally. But once the same calls and emails stop producing a response, repeating them can teach the customer that waiting carries little cost. A third party changes the conversation because the call is coming from outside the relationship.
The invoice that could wait until next month becomes a balance they want resolved.
Placing your first account takes a short form and the invoice documentation you already have. See what getting started involves.
Timing
Why timing matters in collections.
Earlier intervention usually means more options, better communication, and a higher likelihood of resolution.
Figures reflect the standard industry delinquency curve and are shown to illustrate the pattern, not to guarantee any individual result. The earlier an account is placed, the more of the balance survives.
7.4%
still uncollected after 1 month
Most balances at one month still resolve with a single follow-up.
45%
still uncollected after 6 months
Responses slow, disputes surface. Nearly half the balance is at risk.
88%
still uncollected after 24 months
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 earlier an account is placed, the more of the balance survives.
Signs it is time to place
There is no date on the calendar, but there are signs.
No rule says an account should go to collections on a particular day. But each of these conditions means the balance has stopped moving on its own, and waiting past them usually costs you money.
60 to 90 days past due
The invoice has aged well past your terms and routine reminders have run their course.
Broken payment promises
You have been told a check is coming more than once, and the date keeps moving.
The customer has gone silent
Calls and emails that used to get answered now go nowhere.
A dispute that has stalled
The balance is tied up in a disagreement internal back-and-forth is not closing.
Your contact has left
The person who handled your invoices is gone and no one has picked the account back up.
Signs of wider trouble
Partial payments, bounced checks, or word that other vendors are waiting on the same customer.
If more than one of these describes an account on your books, internal follow-up has most likely gone as far as it can.
Once you see the signs, there are really only two paths.
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.
Chasing it yourself
- Every follow-up hour is lost production no one is invoicing for
- A credit manager's time costs far more than it looks on a budget
- A polite internal reminder is easy for a customer to ignore
- Balance keeps aging, write-off gets closer
The invoice ages while your team's time disappears
Placing it with JSD
- Your team goes back to the work that grows the business
- A dedicated team works the account full-time, not in the gaps
- A call from outside the relationship signals the account is serious
- No fee unless we collect, so the time you save is pure gain
The balance moves and your team's time comes back
FAQ
Questions before getting started.
The questions businesses ask most often before requesting an account review.
- Will using a collection agency damage our customer relationship?
- That depends almost entirely on who makes the call and how. A customer contacted with hostility remembers it. A customer contacted professionally, with the account history in hand and a clear way to settle, usually does not hold it against you. We represent your company the way we would want our own represented, and most relationships continue once the balance is resolved.
- How does JSD's contingency fee work?
- There is no upfront collection fee. We are paid a percentage of what we actually recover, typically 15 to 50%, set by the age of the account and its documentation, so if nothing is collected, you owe no collection fee. We explain the applicable rate before you place the account. Once money starts moving, see how the contingent fee settles on a remittance.
- What happens after I request an account review?
- A member of our team reviews the details you send and contacts you directly, usually within one business day. We will tell you what we see and outline a clear next step. Requesting a review is confidential and does not obligate you to place the account.
- What kinds of accounts does JSD collect?
- We work exclusively with commercial, business-to-business (B2B) accounts, never consumer debt. That covers past-due invoices, unpaid purchase orders, and delinquent receivables across industries such as manufacturing, distribution, transportation, construction, staffing, professional services, and software and technology. Headquartered in Dover, Delaware, we collect nationwide and internationally, and have since 1997. That includes accounts of any size, so see small business debt collection if you're placing a single invoice rather than an ongoing volume of accounts.
Put an Account in Front of Us
An unpaid invoice does not improve with age.
Tell us what has gone unpaid and how long your team has been trying to collect it. We will look at the account, tell you what we see, and give you a clear next step within one business day.
Our fee is contingent on successful collection.
You speak directly with the person handling your account.
Memberships & Accreditations
JSD’s leadership includes a CLLA-certified member. JSD is also an IACC Sustaining Member and holds an A+ BBB rating.
Confidential Account Review
Tell us what has gone unpaid.
We’ll review the account and reach out within one business day. No obligation to place it with us.Send us the account details. We’ll review them and reach out within one business day to discuss your recovery options. No obligation to place the account.
Get Started
Put the invoice in front of someone who can move it.
Use the account review above, or contact our office directly. You will hear from a person who understands commercial collections within one business day.
JSD Management Inc. · Est. 1997 · Dover, Delaware