Post Charge-Off Recovery
Full-cycle recovery using behavioral scoring, skip-tracing, and multi-channel strategies — all conducted within the bounds of applicable federal and state regulations.
Data-Driven Recovery at Scale
Post-charge-off recovery requires a different approach than early-stage intervention. Accounts are older, contact information may be stale, and consumers may have been contacted by previous agencies.
We invest in fresh data, behavioral scoring, and strategic sequencing to reach consumers through the right channel at the right time — always within the bounds of federal and state law.
Skip-Tracing & Data Enrichment
Account information is refreshed with current contact data, employment data, and asset indicators before outreach begins.
Behavioral Scoring
Accounts are scored for recovery probability and segmented into treatment paths based on financial and behavioral signals.
Multi-Channel Outreach
Calls, letters, and digital communication — each channel calibrated per account segment, with documentation maintained per compliance standards.