Auto dealers
Deficiency balances and aged accounts, worked on contingency
Receivables recovery for auto dealers — deficiency balances and aged accounts placed directly into contingency collection, with nothing owed unless money comes in.
The problem
Why these balances sit.
Dealership receivables are a different animal: deficiency balances after repossession and sale, service accounts that went cold, and customers who moved on months or years ago. By the time a dealer looks at the file, the account is old enough that most people assume it is dead.
Where auto dealers accounts enter the ladder
Start at Stage III — Straight Contingency.
These accounts are usually past the point where a letter series makes sense, so they place directly into contingency — the stage built for aged accounts, including the ones written off. Nothing is billed at signing; the fee comes out of what is actually recovered.
You keep 70% (under 1 year) or 50% (over 1 year)
Pending compliance reviewThe ladder is the same for everyone; the rung you enter at is not. If your accounts do not look like the ones above, the assessment will say so and point you elsewhere.
What we see in auto dealers
The accounts that come to us from this sector.
- Deficiency balances after repossession and resale, where the paperwork trail matters
- Service and parts accounts that aged past the point of in-house follow-up
- Accounts already written off internally — where any recovery is upside
Proof from this sector
A client in this field, on the record.
An auto client is the source of the "collected on accounts we thought were lost" line.
Client quotes are published with a role-and-sector attribution and without recovery figures. Names and logos are used only with written permission.
Questions creditors ask
Asked before you had to ask.
Our accounts are years old. Is there any point?
Age is the normal condition for dealership placements, not a disqualifier — Straight Contingency exists for exactly these. Because the fee comes out of recoveries, an old account that never pays costs you nothing to have tried.
Do we need to do anything before placing?
Have the balance and the last known contact information for each account. Anything else you hold — payment history, the sale documents on a deficiency — makes the work more effective but is not a precondition.
How do we start without committing to anything?
Describe your receivables — how many accounts, how old, typical balances, and what you have already tried. You get a recommendation for the stage that fits, including “handle these in-house a while longer” when that is the honest answer. No obligation attaches to the assessment.
Other sectors
Recovery in adjacent fields.
Talk to the advisor
Where do your accounts sit on the ladder?
Every engagement starts the same way: describe your receivables — how old, how large, how many, what’s been tried — and get an honest read on how far up the ladder they’d ever need to travel. Often the answer is “not far.”