Home services
Unpaid invoices for work already in the ground
Receivables recovery for home service contractors — unpaid invoices for completed work, from one-off customers you may never see again.
The problem
Why these balances sit.
The work is done, the materials are paid for, and the customer has stopped answering. For a contractor billing consumers, a single unpaid invoice can be a week of margin — and chasing it costs the hours you should be spending on the next job.
Where home services accounts enter the ladder
Start at Stage I — Pre-Collect.
A recent invoice from a customer who is avoiding rather than disputing usually responds to a formal letter. Where the invoice has aged past that point, or the customer has gone silent for months, it places directly into contingency.
You keep 100% of what comes in
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 home services
The accounts that come to us from this sector.
- Completed jobs where the customer raised no complaint until the invoice arrived
- Invoices with a genuine dispute attached — those belong back with you, not in recovery
- One-off residential customers with no ongoing relationship to protect
Questions creditors ask
Asked before you had to ask.
The customer claims the work was faulty. Can we still place it?
A real dispute should be resolved by you first. Recovery works an undisputed balance; a contested one comes straight back to you with what the customer said, which wastes the placement.
Is one invoice enough to place?
Contingency placements have no minimum — a single aged invoice can be placed. The letter service carries a ten-account minimum, so smaller contractors usually route individual invoices to contingency instead.
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.”