The Collection Agencies Fix Kit
Built for collection agencies.
A collection agency earns on recovered dollars, so the leaks are the dollars recovered that never get counted as yours, and the dollars spent defending calls and fees that broke a rule. Direct payments the client never reports, recalled accounts, court costs advanced and never reimbursed, and a Reg F frequency limit crossed on a busy dialer day. This kit sets your client contracts and your own logs against the published federal rules.
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The 11 leaks it covers
6 you can close it · 3 the other side owes it · 2 a pro decides
- Debtors paying the client directly, and the contingency fee never reportedWhere to look first: Read each client agreement for how direct payments are handled: must the client report them, and is your fee still owed?Keep it from coming back: Request direct-payment reports on the same day every month.The other side owes it
- Client remittances never reconciled to collectionsWhere to look first: Each month, list collections by client: gross collected, your fee, net remitted.Keep it from coming back: Reconcile before any remittance is sent.You can close it
- Accounts recalled or closed by the client with no fee for work doneWhere to look first: List accounts recalled in the last year, with your work on each and any payment arrangements in place.Keep it from coming back: Log every recall with the work already done.The other side owes it
- Court costs and suit fees advanced and never reimbursedWhere to look first: List every suit filed: filing fees, service fees, other costs advanced.Keep it from coming back: Log every cost to its account the day it's paid.The other side owes it
- Skip-tracing and data costs absorbed instead of billedWhere to look first: Total last quarter's skip-trace, data and letter-vendor costs by client.Keep it from coming back: Review vendor costs by client every quarter.You can close it
- Dialer crossing the Reg F call-frequency lineWhere to look first: Pull a dialer report of calls per debt per person over rolling 7-day periods.Keep it from coming back: Weekly exception report, every week.You can close it
- Convenience and processing fees charged to consumers without authorityWhere to look first: List every fee you charge consumers: card, phone payment, processing, letter.Keep it from coming back: No new consumer fee goes live without written authority on file.You can close it
- Consumer complaints never tracked, so FDCPA exposure is unknownWhere to look first: Log every complaint and dispute: date, account, issue, response, outcome.Keep it from coming back: Every complaint logged the day it arrives.A pro decides
- Paying for software seats and modules nobody usesWhere to look first: List every collection software, dialer, payment portal and letter vendor charge.Keep it from coming back: Review seats every quarter.You can close it
- Returned payments and chargebacks never re-workedWhere to look first: Pull last quarter's returned ACH, NSF and card chargebacks on consumer payments.Keep it from coming back: Returned payments get a follow-up date the day they post.You can close it
- License and bond renewals tracked from memoryWhere to look first: List every state where you're licensed or registered to collect, with renewal dates, bond amounts and continuing requirements.Keep it from coming back: No placements in a new state until the license question is answered in writing.A pro decides
Free: one full leak from this kit
No sign-up, no email. Here is leak 1 of 11 exactly as it appears in the kit, so you can see what you get before you buy.
Debtors paying the client directly, and the contingency fee never reported
The other side owes it- Read each client agreement for how direct payments are handled: must the client report them, and is your fee still owed?
- Ask each client for a monthly list of direct payments on accounts placed with you.
- Match against your placements and bill the fee on each.
- Add a reporting deadline and audit right at renewal.
Your part: Request the reports and bill.
Request to a client: Hi [NAME], Under our agreement dated [DATE], payments received directly on accounts placed with us are reported monthly and carry our contingency fee. Please send the direct-payment list for [PERIOD] by [DATE]. Thank you, [NAME], [AGENCY]
Request direct-payment reports on the same day every month.
What this kit can't decide for you: Your client agreement decides what's owed.
That's 1 of 11. The other 10 come the same way in the kit: steps, words to send, a habit to keep each one closed.
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What people in this work look up
When collection agencies go looking for answers, they search things like “collection agency fees”, “collection agency software”, “debt collection license” and “collection agency commission”. Those searches turn up forms, averages and other people's numbers. This kit starts from your own records instead: the 11 places money leaks in this work, where to look first and the words to send to close each one.
What you get for each leak
- Numbered steps to close each leak
- Your part, spelled out
- Words you can use: letters and scripts, ready to send (fill in the brackets)
- A habit that keeps each leak from coming back
- An honest line on what the kit can't decide for you
A page from the kit
Questions people ask
Debtors paying the client directly, and the contingency fee never reported: where do I start?
Start here: Read each client agreement for how direct payments are handled: must the client report them, and is your fee still owed? To keep it from coming back: Request direct-payment reports on the same day every month.
Client remittances never reconciled to collections: where do I start?
Start here: Each month, list collections by client: gross collected, your fee, net remitted. To keep it from coming back: Reconcile before any remittance is sent.
Accounts recalled or closed by the client with no fee for work done: where do I start?
Start here: List accounts recalled in the last year, with your work on each and any payment arrangements in place. To keep it from coming back: Log every recall with the work already done.
What it can't decide for you
This kit works from your own records. It doesn't give legal, tax, licensing or financial advice, and it never tells you what to charge. Where a CPA, attorney, insurer or state board makes the call, the kit says so and gets your records ready for them.
17-page PDF · instant download after payment · Code VYR-KIT-COLLECT-01
Opens secure checkout. Instant download after payment. 30 days to ask for a refund — refund policy · terms
Next step
- Run your free LeakReceipts check — it reads your own receipts and records and shows where money is leaking out, line by line.
- TrueNET — the whole-picture money truth: what you actually keep after every cost, across everything you earn and spend.
Use Jobber or Housecall Pro? Run the free leak check — it reads your job export in your browser and shows the money leaks the software doesn't flag. Nothing is uploaded.