Frequently Asked Questions

We only charge 15% of the amount we collect, and only when you actually receive payment. There are no upfront fees, no retainers, and no charges if we don't collect. You keep 85% of what we recover. View our full pricing details.

Payment is simple: we collect from the debtor, deduct our 15% fee, and remit the remaining 85% directly to your account. You never pay us directly. We're invested in your success because we only earn when you earn.

Absolutely not. Our pricing is completely transparent. The only charge is our 15% contingency fee when we collect. There are no setup fees, filing fees, document fees, or any other charges hidden in the fine print. See our transparent pricing model.

You pay nothing. We operate entirely on contingency, meaning we only profit when you do. If we're unable to collect on your debt, you don't owe us any fees whatsoever. This aligns our incentives with yours—we're motivated to maximize your recovery.

Our 15% contingency fee is highly competitive compared to traditional debt collection (25-50%) and litigation (hourly rates often exceeding $300+). Factor in our higher success rates and faster resolution times, and LegalCollects delivers exceptional value. Many clients recover debts they otherwise would have written off.

We accept claims starting at $5,000 to ensure the economics work for both parties. For claims under this amount, traditional payment plans may not be cost-effective. Contact us to discuss your specific situation.

Once your claim is submitted and verified, our system immediately begins analysis. We review the debt, contact information, debtor history, and viability factors. Within 24-48 hours, your case is assigned to our AI system and the initial communication sequence begins.

Our proven 30-day strategy includes: Day 1-3: Personalized AI phone calls analyzing responses; Day 5-7: Strategic email follow-ups with payment options; Day 10-14: Documented letters establishing intent; Day 20-25: Escalation communications; Day 28-30: Final settlement negotiation attempt. Each step is optimized based on debtor response patterns.

Debtors receive personalized phone calls from our AI system, professionally written emails with payment options, formal demand letters, and escalation notices. All communications comply with FDCPA regulations and are designed to resolve the matter cooperatively while clearly documenting our collection efforts.

If a debtor disputes the debt, we request documentation and validation. We carefully review their dispute against your evidence. If the claim is valid, we explain to the debtor why their dispute is unfounded and work toward resolution. If legitimate issues exist, we help negotiate a reasonable settlement.

We're open to reasonable payment arrangements that get you paid. Our system evaluates the debtor's proposal, verifies their ability to follow through, and can structure payment plans. We monitor compliance and take immediate action if payments are missed.

Non-responsive debtors trigger our escalation protocol. After the 30-day sequence, we escalate to attorney involvement. This typically results in formal legal notice, demand letters, and potential filing of suit. The threat of litigation often motivates previously non-responsive debtors to negotiate.

If the 30-day AI sequence and initial attorney escalation don't result in settlement, we file suit. This decision involves analyzing case viability, debtor assets, and jurisdiction-specific factors. Our attorneys only file suits where we believe collection is feasible and cost-effective.

Once suit is filed, the debtor must respond within the state-specified timeframe (typically 20-30 days). We proceed through discovery, potential settlement conferences, and if necessary, trial. Our attorneys handle all court proceedings, and we keep you updated throughout. Many cases settle during litigation as debtors realize the seriousness of the action.

Absolutely. Commercial debt collection is legal nationwide. Our operations are licensed and regulated where required. We comply with all applicable federal and state laws including FDCPA, TCPA, and state-specific debt collection statutes. Everything we do has been reviewed and approved by our legal team.

Yes, we maintain strict FDCPA (Fair Debt Collection Practices Act) compliance. Our communications respect debtor rights, avoid harassment, don't misrepresent the debt, and follow all timing requirements. Our AI is programmed with FDCPA rules, and all communications are reviewed for compliance before being sent.

Yes, licensed attorneys oversee all cases, especially during escalation and litigation phases. While our AI handles initial communication optimization, real attorneys make critical decisions about strategy, negotiation, and legal filing. You're supported by both AI intelligence and human legal expertise.

California has unique debt collection requirements, and we're fully compliant with state-specific rules. Our system handles California's strict notice requirements, robo-call restrictions, and consumer protection laws. Your claim is handled with full awareness of California's regulatory environment.

We respect all debtor rights fully. Debtors have the right to request validation, dispute claims, request cease communications, and file complaints. Our system is configured to honor these rights. We don't harass, threaten, or misrepresent. We're professional collectors, not aggressive adversaries.

Absolutely. We maintain strict confidentiality of all your claim information using enterprise-grade security. Your data is encrypted, access is controlled, and we never share information without your consent. Your debtor information is handled with complete discretion.

Our AI analyzes thousands of factors to optimize collection strategy: debtor communication patterns, industry norms, payment likelihood, optimal contact timing, and personalization. AI enables us to make smarter decisions at scale, achieving higher success rates faster than traditional approaches while maintaining human oversight.

Our AI voice calls are personalized, natural-sounding conversations that analyze debtor responses in real-time. The AI doesn't demand payment—it discusses the debt, listens to concerns, and gathers information. It's professional, compliant, and designed to open dialogue. Debtors always know they're speaking with AI, and human agents are available for complex situations.

Yes, our AI operates within strict guardrails. Human attorneys monitor all escalations, review sensitive cases, and approve legal actions. AI handles efficiency; humans handle judgment. We're not automating away accountability—we're automating away inefficiency while keeping humans in charge of strategy.

We employ enterprise-grade security: 256-bit encryption, secure servers, regular security audits, compliance certifications, and strict access controls. Your data and your debtors' information are protected by the same standards used by financial institutions. We take security seriously.

Our platform integrates with major accounting software, CRM systems, and payment processors. We're continuously adding integrations to make our platform seamlessly fit into your existing workflow. Contact our team to discuss integration capabilities for your specific systems.

Our client portal provides real-time visibility into every case. Track status, view communication history, see payment updates, and access all documents. You can monitor your entire portfolio in one dashboard with detailed analytics on recovery rates and timelines.

Yes, absolutely. You can submit claims one at a time or in batches. Our system is designed to handle portfolios of claims, making it ideal for businesses with multiple outstanding debts.

Yes, we support bulk uploads via CSV. If you have a portfolio of claims, you can upload them all at once. Our system validates data, flags any issues, and processes claims efficiently. This is ideal for businesses with substantial accounts receivable.

You receive real-time notifications for key milestones: initial contact, responses received, settlement offers, payments collected, and escalations to litigation. You can customize notification preferences in your account settings.

The portal provides access to all case documents including communication history, demand letters, legal filings, court documents, and settlement agreements. Everything you need to understand your case status is available in one secure location.

Staffing agencies often face payment delays from client companies. We specialize in recovering unpaid placement fees and time-and-material charges. Our understanding of staffing industry dynamics helps us negotiate effectively. Learn about our staffing solutions.

Yes, we extensively serve contractors and subcontractors. Whether you're a plumber, electrician, construction company, or trade professional, we recover unpaid invoices from clients and general contractors. See contractor-specific solutions.

Absolutely. SaaS companies often struggle with mid-market clients who delay subscription payments. We recover unpaid software subscriptions, service fees, and licensing charges. Our understanding of SaaS contracts and industry practices is extensive.

Restoration, roofing, and cleanup companies frequently encounter payment delays from property managers and insurers. We specialize in recovering emergency service invoices and insurance claims. Our familiarity with this industry's payment challenges is a major advantage.

Yes, we serve architects, engineers, consultants, accountants, and lawyers seeking payment recovery from corporate clients. Professional services have unique invoicing and contract challenges, and we understand your specific needs. Explore professional services solutions.

As a referral partner, you refer clients with collection needs to LegalCollects. When they submit a claim and we collect, you earn a referral commission on the settlement amount. It's simple, passive income from your existing client relationships.

Referral partners earn 10% of our contingency fee for each successful recovery. Since we collect 15%, you earn 10% of that amount. For example, if we recover $10,000, you earn $150 with zero effort after the initial referral. Higher volume partners may qualify for increased rates.

Simply direct interested clients to us or use your unique referral link. You can provide our contact information, share educational materials, or introduce us directly. When they submit a claim, they designate you as the referring partner, and you're eligible for commission on successful collections.

Anyone can become a referral partner: accounting firms, business consultants, law firms, bookkeepers, financial advisors, and anyone else who works with businesses. If you know companies with collection needs, you can earn commissions by referring them to us. Contact us to enroll.