Business-to-business debt, all 50 states, contingency only. If a business owes your business money, we collect it. We do not handle consumer debt.
What we collect
- Unpaid invoices and open book accounts
- Goods sold and delivered; account stated
- Breach of written or oral contract
- Promissory notes and personal guaranties
- Commercial rent and lease defaults
- Judgment enforcement
- Multi-state receivable portfolios
Why "litigious" is the point
Every placement is worked as a lawsuit-in-waiting. We assemble the evidence, send a demand that reads like a complaint, and if the debtor doesn't engage, licensed counsel files. We pursue writs of attachment to freeze assets before judgment, take default judgments when debtors ignore service, and seek receivers over failing businesses so the assets don't walk out the back door.
Typical timeline
| Day | What happens |
|---|---|
| 0 | You upload the invoice |
| 1 | Written assessment & rate |
| 2 | Formal demand served |
| 10–20 | Debtor engagement, settlement pressure |
| 21+ | No response? Suit by licensed counsel; attachment where available |
| ≤90 | Paid in full — the typical outcome |
Typical outcome, not a guarantee.
All 50 states
Your debtor's location doesn't change your experience. One point of contact at Delta Filings; suits, judgments and enforcement handled by licensed attorneys in the debtor's state.
Three ways to start — pick your speed
| Step | What you get | Cost |
|---|---|---|
| 1. Free Debtor Check | Give us the debtor's name and state. Within 1 business day we tell you whether they're still operating, whether other creditors are already suing them, and whether your account is collectible. No invoice needed. | Free |
| 2. Free Assessment & Rate | Upload the open invoice. Within 1 business day you get our assessment of the account and our exact contingency rate, in writing. | Free — no obligation |
| 3. Place the Account | Full contingency collection: demand within 48 hours, suit by licensed counsel, writ of attachment, default judgment, enforcement, receivership. Typically paid in full within 90 days. | No recovery, no fee. Low, Low Rate Guarantee |
FAQ
Minimum balance? We evaluate every commercial account on its merits. Upload it and we'll tell you.
What do you charge? A contingency percentage of what we actually recover, quoted in writing before you commit. Court costs on litigated files are advanced and reimbursed from the recovery. We beat any written competing quote — Low, Low Rate Guarantee.
Consumer debt? No. Strictly commercial.
What do you need to start? The open invoice(s). A contract, credit app, PO or delivery record helps but isn't required. Upload here.
