For Businesses

Recovery Solutions

Unresolved accounts affect more than revenue. We combine compliance-first operations with data-driven strategies to support recovery efforts — while protecting your brand and treating every consumer with respect.

See Your Recovery Potential
The Problem

Unresolved Receivables Affect More Than Cash Flow

  • Aging accounts lose recoverable value the longer they go unworked
  • In-house teams lack skip-tracing and compliance tooling
  • Compliance violations expose creditors to statutory damages and attorney fees
  • Consumer complaints damage creditor brands, not just agencies
The GAA Approach

Compliance Is the Foundation, Not a Feature

Portfolios receive a tailored recovery strategy. Consumer interactions are documented and handled in accordance with applicable standards, with a focus on clear and respectful communication. Clients receive transparent reporting designed to support visibility into account activity.

From early-stage delinquency through later-stage recovery, our approach is built on structured processes, data-informed strategy, and a consistent focus on compliance.

Learn About Our Approach

Our Recovery Solutions

01

Pre Charge-Off Recovery

Early intervention programs that reach delinquent consumers before accounts charge off, preserving customer relationships while improving recovery rates.

Learn more about Pre Charge-Off Recovery
02

Post Charge-Off Recovery

Recovery of charged-off accounts using data-driven strategies, multi-channel contact, and compliant communication practices.

Learn more about Post Charge-Off Recovery
03

Secondary & Tertiary Recovery

Fresh strategies and updated data that give renewed attention to accounts where previous efforts stalled. Different approach, consistent standards.

Learn more about Secondary & Tertiary
04

Credit Bureau Reporting

Careful, regular reporting to Equifax, Experian, and TransUnion. Data integrity checks and dispute handling under FCRA timelines.

Learn more about Credit Bureau Reporting
05

Network of Attorneys

A national network of vetted, independent law firms for situations that cannot be resolved through standard outreach. Each firm is selected on its own merits — compliance record and how it treats consumers.

Learn more about Network of Attorneys
06

Warehousing Management

Long-term account stewardship for portfolios in holding. Ongoing monitoring, periodic contact where appropriate and permitted, and structured reporting.

Learn more about Warehousing Management
How We Work

From Placement to Resolution

A clear, structured process designed to maximize recovery while maintaining full compliance at every step. No black boxes, no shortcuts.

Step 01

Consultation & Strategy

We analyze your portfolio composition, delinquency stages, and compliance requirements to design a recovery strategy calibrated to your accounts.

Step 02

Data Refresh & Scoring

Accounts are enriched with current contact data, scored for recovery probability, and segmented into treatment paths based on behavioral and financial signals.

Step 03

Strategic Outreach

Multi-channel contact sequences — calls, letters, digital — calibrated per account. Each interaction documented and conducted within applicable federal and state regulations.

Step 04

Resolution & Reporting

Transparent reporting, credit bureau updates, and secure payment processing through to account close. Client portal access throughout the engagement.

Who We Serve

Industries We Specialize In

Tailored recovery strategies for the compliance requirements and consumer dynamics of each sector.

Healthcare

Patient-sensitive collections with HIPAA awareness, insurance follow-up, and empathetic consumer communication.

Financial Services

Credit card, auto loan, and personal lending recovery with full bureau reporting and dispute management.

Telecommunications

High-volume account management for wireless, cable, and internet service providers with TCPA-compliant outreach.

Government

Municipal debt, court fines, and government receivables with the transparency and audit trails public agencies require.

Education

Tuition, student loan, and institutional receivables recovery with sensitivity to borrower circumstances and federal guidelines.

Utilities

Electric, gas, water, and waste management account recovery with consideration for essential service regulations and payment plan options.

Let Us Build Your Recovery Program

Every portfolio is different. Tell us about yours and we will design a recovery solution that fits. For placements, RFPs, or contract questions, email [email protected].

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