Accounts receivable · New York metro
Most unpaid invoices aren't disputes. They're oversights, usually on both sides. We do the follow-up so you're not the one making the call.
Nothing is due until you're paid. We'll review what's open at no charge and tell you what's realistically collectible before you commit to anything.
A typical aging report from a business that has never had anyone whose job it is to follow up.
The situation
The invoice went out. Something came up. Nobody followed up, and now it's been five months and the conversation feels heavier than the number.
Meanwhile you're carrying it. The work is done, the goods shipped, the payroll ran. The only thing missing is the ask — and the reason it's missing is usually that you know the person.
That's the entire job. We're the neutral party who can raise it without it costing you anything on the other side of the table.
What we do
Most clients use both — one keeps new invoices from aging, the other cleans up what already has.
Monthly · ongoing
We run your AR the way a finance department would, for businesses that have never had one.
90 days and over · contingency
For accounts that already slipped. We work them individually, you pay nothing upfront, and nothing at all unless money comes in.
How it works
Whatever form it's in. A report, a spreadsheet, a stack of invoices. We'll go through it and tell you what's collectible, what's borderline, and what you should write off. There's no charge for this and no obligation after it.
Which accounts, which service, what it costs. Signed before we touch anything, so there's never a question later about what you owe us or why.
In your name, as your accounts receivable department, in a tone you'd be comfortable standing behind. You see the correspondence. Nothing goes out that you wouldn't send yourself.
Collected funds go into a separate trust account, never our operating account, and out to you on a fixed schedule with a reconciliation you can check line by line.
Boundaries
This matters more than anything above it. You're handing us your customer list. Here's what we will never do with it.
A collection agency can't file suit on a client's behalf. If a file needs more than we can do, it goes to a beis din or to counsel — and that's your decision, not ours.
No credit reporting warnings, no legal action we have no standing to take, nothing we wouldn't say to someone across a table.
Not their customers, not their suppliers, not anyone who happens to know them. Third-party pressure isn't a tactic we use.
If the paperwork isn't there or the account is past its limitations period, we say so up front rather than billing you while we find out.
How we operate
Files are never discussed across clients. Who pays slowly and who doesn't is information we hold, not information we trade. In a community this connected, that isn't a policy — it's the whole business.
When a file needs to go further, beis din is usually the right room. Properly documented as arbitration, an award is confirmable in New York courts and carries the same enforcement weight as a judgment.
No calls erev Shabbos or chol hamoed. Follow-up cadence is planned around Yom Tov rather than interrupted by it, which is also simply more effective.
If we're working for someone on one file, we'll tell you before we work against them on another. You decide whether you're comfortable, and we'll decline the file if you're not.
Pricing
Past-due files cost you nothing upfront and nothing at all if we don't collect. The monthly service is separate, and it's for businesses that want the problem to stop recurring.
Past-due files · 90 days and over
A percentage of what we actually recover, stepping up with the age of the account when you place it. No placement fee, no monthly minimum, no charge on anything we fail to collect. Third-party costs like beis din fees are approved by you in advance and never charged without it.
Recovery detailsCurrent AR · under 90 days
We become your accounts receivable department: statements out on a cycle, aging maintained, follow-up starting long before anything gets old. Priced on how many active accounts we're carrying, not on how much comes in. Most clients start on contingency and move here once they see how much never had to age in the first place.
Receivables detailsQuestions
That's the specific problem we exist to solve. When a business calls about its own invoice, it's personal. When accounts receivable calls, it's process. The customer usually pays and the relationship stays exactly where it was — in a lot of cases it improves, because the thing everyone was quietly avoiding is finally handled.
No. We never take ownership of your accounts. We work them as your agent, which means the money is yours from the moment it's collected and you keep full control over how each file is handled.
We stop and hand it back to you with everything we learned. A genuine dispute is between you and your customer, and we're not the right party to settle it. We'll flag it fast so you can deal with it while it's still small.
Collected funds sit in a separate trust account and remit on a fixed schedule agreed in your engagement letter, with a reconciliation attached each time. We don't hold funds against future fees.
It depends on the state and what you sold. New York gives six years on a breach of contract claim but only four on a straight sale of goods, and New Jersey and Connecticut differ again. We check this at intake and tell you if an account is past the point of being worth working.
Get started
We'll go through it and come back with a straight read: what's collectible, what isn't, and what we'd charge to work it. No cost, and no follow-up if you decide against it.
If you'd rather just talk it through first, say so and we'll call.
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MW