Every debtor has a pattern. We read it first.
Bernie reads how an account is likely to pay before the first message leaves the building, then adapts channel, timing and tone to how the debtor actually responds. Nothing settles without your sign-off.
- Conversations
- 10k+
- debtor conversations worked by hand
- Experience
- 15 yrs
- worked inside commercial collections
- Playbooks
- 7
- B2B industries with dedicated strategy
- Oversight
- 100%
- of settlements reviewed by a human before close
01 · Read
The profile exists before the outreach does.
Scoring reads how each debtor is likely to pay before a single message goes out. First contact starts from the right posture instead of a script.
- Channel
- SMS, then email
- Posture
- Direct
- Send window
- Weekday mornings
Northfield Mechanical LLC
ACCT 4471 · CONSTRUCTION · 68 DAYS PAST DUE
$18,420.00
Balance
- Responds to urgencyHigh
- Needs flexibilityLow
- StallingElevated
Profile complete. Nothing has been sent. The approach is set and waiting on your release.
02 · Adapt
Answer as the debtor. Watch the posture move.
A live transcript, not a video. Pick any reply and the next touchpoint is chosen from behavior rather than a sequence.
Reply as the debtor
Touchpoint ledger · adapts as behavior changes
- Day 1Emaildirect tone
Itemized balance with a firm date. Opened twice, no reply.
- Day 3SMStiming adjusted
Send window moved to observed activity. Reply: waiting on GC payment.
- Day 6Escalationheld
Behavior changed. Escalation paused and an alternate path selected.
- Day 9Settlementsent for sign-off
Structured plan inside your approved parameters. Waiting on a human.
03 · Control
Nothing closes without a signature.
ApexCollect · live blotter
| Account | Balance | Proposed | Recovery | Status |
|---|---|---|---|---|
Northfield Mechanical LLC ACCT 4471 | $18,420.00 | $16,578.00 | 90.0% | Awaiting sign-off |
Ironline Fabrication ACCT 3341 | $53,780.00 | $48,402.00 | 90.0% | Awaiting sign-off |
Harbor Freight Lines ACCT 3902 | $42,115.50 | $42,115.50 | 100.0% | In negotiation |
Cedar Ridge Contractors ACCT 6017 | $27,340.00 | $24,606.00 | 90.0% | In negotiation |
Vantage Logistics Group ACCT 4488 | $11,905.40 | $11,905.40 | 100.0% | Approved |
Pinecrest Equipment Co. ACCT 2218 | $9,860.00 | $8,874.00 | 90.0% | Approved |
Lakeside Dental Group ACCT 5130 | $6,240.25 | $6,240.25 | 100.0% | Paid in full |
| 7 accounts in review | $169,661.15 | $158,721.15 | 93.6% |
Bernie negotiates inside parameters you set. Two settlements are waiting on a decision-maker right now.
Review 2 settlementsCoverage
B2B receivables. Never consumer debt.
Every industry pays late for its own reasons. Each playbook is built on the disputes, clauses and internal politics that actually delay the money.
- 01ConstructionLien leverage, pay-when-paid clauses, change order disputes.
- 02Freight & LogisticsAccessorials, detention, missing proof of delivery.
- 03Equipment RentalOff-rent timing, damage disputes, contract-backed billing.
- 04ManufacturingPurchase orders, quality disputes, multi-location terms.
- 05Professional ServicesScope questions, retainers, documentation gaps.
- 06Property & RentalsCommercial leases, CAM charges, multi-site billing.
- 07Software & SaaSSeats, usage, renewals, and invoices behind licenses.
Process
Three moves from placement to posted payment.
- You
Place the accounts
Upload receivables through ApexCollect: CSV, spreadsheet or direct entry. Formatting and behavioral priority scoring happen on our side.
- Bernie
Bernie works the file
Outreach runs continuously across SMS and email inside permitted contact windows and your compliance guardrails, adapting as each debtor responds.
- You
Approve and get paid
Every settlement reaches you before it closes. Payments post to the account with every interaction logged against it.
Send us the aging report. We will tell you what it says.
No email gate · Two business days · B2B portfolios only