Commercial Collections
Commercial collections for B2B accounts, handled professionally. — accounts receivable (AR) recovery services.
Recover past-due receivables through direct, respectful follow-up that protects the customer relationship and keeps communication moving.
“How you collect matters as much as what you collect.”
Our founding principle, unchanged since 1997.
Fee Structure
Contingency only
Paid on results
Focus
B2B exclusively
Commercial accounts only
Reach
Nationwide
Licensed & bonded
Founded
Since 1997
28+ years, same team
When to Place
When to bring in a third party.
Most accounts are not ignored all at once. They stall when follow-up becomes inconsistent, contacts change, documentation gets scattered, or a disagreement remains unresolved. This is usually the point where third-party involvement helps.
Communication has stalled
Calls and emails go unanswered. A fresh voice can restart the conversation.
Time has passed
The longer an invoice ages, the harder internal follow-up becomes.
There's a disagreement
When both sides feel stuck, a neutral party can find middle ground.
Contacts have changed
New contacts need the history brought up to speed. We re-establish the facts professionally.
As accounts age
Internal recovery gets harder
- Follow-up slips between other responsibilities
- Account history gets harder to track down
- Leverage weakens the further past due it goes
- Escalation becomes easier to put off than to act on
- Recovery competes with your team's day job
Result · Effort continues but progress slows
With dedicated follow-up
Momentum can return
- Accounts get consistent attention
- Communication is centralized in one place
- Recovery moves forward without draining your team
- A fresh voice can restart stalled dialogue
- Tone stays professional throughout
Result · Recovery moves forward again
Our Approach
How we handle accounts.
We handle accounts directly, communicate professionally, and work toward practical resolution without unnecessary friction.
Listen first
We start by understanding the account history, what has already been tried, and whether there is a legitimate dispute, delay, or breakdown in communication.
Understand the account
Find common ground
When appropriate, we work toward practical resolution through payment arrangements, settlements, or other workable paths forward.
Work toward resolution
Protect the relationship
We represent your company professionally so recovery efforts stay constructive and your reputation stays intact.
Represent you well
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.
Timing
Why timing matters in collections.
Earlier intervention usually means more options, better communication, and a higher likelihood of resolution.
Fresh accounts
Almost everything is still recoverable. Communication is intact and most balances resolve with a single follow-up.
Aging accounts
Recovery drops fast. Roughly half the balance is typically written off by the six-month mark as responses slow and disputes surface.
Stale accounts
Only a small fraction is still recoverable. By two years past due, nearly 9 of every 10 dollars are written off permanently.
Based on the delinquency curve shown. Placing accounts earlier preserves more of the balance.
Process
What happens after you place an account.
Three steps from first contact to resolution. Most clients are up and running the same day they reach out.
Send us the invoice.
In most cases, the invoice is all we need. A member of our team reviews your account directly. No intake queues, no automated triage. Most clients are up and running the same day they reach out.
Your investment
$0 upfront
We restart the conversation.
We find the actual decision-maker and pick up where your follow-up left off. Consistent, professional contact that keeps communication active, handled with the nuance B2B relationships require.
Approach
Direct & measured
You get to resolution.
Payment, a workable plan, or confirmation the business is closed. Either way, you have clarity. Recovered funds are remitted with a detailed report, and your customer can still be your customer.
Fee structure
Contingency only
Ready for a no-pressure conversation?
Operations
Payment processing and reporting.
Payments can be remitted to JSD or directly to you. Clients receive regular reporting with payment details and remaining balance information.
Remittance
Payment methods accepted
Debtors may remit directly to JSD in any format, or directly to the client. We accept:
- Mail payments
- Wire transfers
- Postdated checks
- ACH transfers
- Pre-authorized checks
Reporting
Monthly activity statements
When payments are received, the remittance appears on your summary financial statement. Each statement includes:
- 01Name of the debtor
- 02JSD account number
- 03Your identification number
- 04Gross payment amount
- 05Date of payment
- 06Remaining 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.
Clarifications around later-stage account resolution.
Get Started
Get in touch with JSD.
We respond to every inquiry within one business day with a clear read of your situation and a path forward.
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