Austin stays weird. Getting paid shouldn’t be.
Tech invoices that ghosted after the pivot, event vendors stiffed after load-out, patient balances, portfolios — commercial and consumer accounts collected on contingency, with the pressure front-loaded where Texas law actually lets it work.
- Third-Party Demands
- Skip Tracing
- Settlement Pressure
- Attorney Escalation
What’s on the bill?
Four ways in — pick the line that sounds like your books and we’ll route it to the right compliance lane.
SaaS contracts, agency retainers, vendor invoices, event production bills, trade credit — Austin’s B2B economy, collected.
Commercial collections → Individuals owe my businessPatient balances, studio and gym memberships, customer accounts — run under the FDCPA and Texas Chapter 392, bonded and documented.
Consumer collections → I’m holding a judgmentTexas made winning the easy part. Send the paper and get a straight answer on what enforcement can still reach — before spending another dollar.
Get the straight answer → A whole aging reportBring the full setlist. Tiered grading, per-tier pricing, and the dead files named for free instead of worked for a fee.
Send the batch →Startups scale, stages load out, kitchens fire — and somebody’s invoice always goes unpaid
A tech client “restructures” owing your agency four months. A festival wraps and the production vendor waits. A distributor’s biggest restaurant account goes quiet. Different stages, same show — and we know every verse of it.
One account or the whole report — graded and quoted within one business day.
Soundcheck to encore
Load in
Send the file — debtor, balance, age, and the paper behind it. Two minutes, or one call.
Soundcheck
Honest collectability grade, the correct compliance lane, and a contingency quote before you commit to anything.
The set
Third-party demands that reach decision-makers, skip tracing for the vanished, settlement pressure, and attorney escalation when the math supports it.
Payout
Recoveries remitted per agreement. Nothing recovered? Nothing owed — the risk was ours.
Local voice, Texas playbook
Texas caps what a judgment can touch, so waiting is the expensive move here. Files get worked the week they arrive, while settlement leverage and third-party weight are at full volume.
Consumer work runs under the FDCPA plus Texas Chapter 392, surety bond on file, every contact documented. Compliance isn’t a brake — it’s what makes the pressure stick without splashing back on you.
Rates disclosed up front, aging reports tiered honestly, dead files called dead for free. If the smart move is your attorney instead of us, that’s what the review will say.
What creditors ask before the first placement
How much does debt collection cost in Austin?
It costs nothing until it works. We collect on contingency: the rate gets quoted up front based on account age, size, and volume, and the fee is carved out of actual recoveries. A file that recovers nothing costs you nothing.
What’s the time limit on collecting a debt in Texas?
Four years for most claims under Texas law, whether the deal was written or a handshake. The practical horizon is much closer, though: files placed within about 90 days of going past due recover at meaningfully better rates, because contact info, assets, and attention all fade. Four years is when the claim expires, not when the strategy should.
I heard judgments are nearly uncollectable in Texas. True?
Texas is genuinely tough post-judgment — wages generally can’t be garnished for ordinary private debts and homestead protection is expansive — so a paper judgment against an individual often stays paper. The honest strategy is built around that fact: maximum pressure before judgment, when settlement leverage and third-party consequence are strongest, and clear-eyed asset analysis before anyone pays for litigation.
Do commercial and consumer accounts get handled differently?
Completely. B2B receivables run under commercial practices. Anything owed by an individual for personal or household purposes is consumer debt, which the FDCPA and the Texas Debt Collection Act regulate closely — and Texas requires third-party consumer collectors to keep a surety bond filed with the Secretary of State. Every account gets routed to its proper lane at intake.
Should I bother with small balances or old files?
Batch them. A pile of small balances performs as a portfolio even when no single one justifies solo placement, and old files get tiered honestly — the workable, the discounted-but-workable, and the finished. Naming the finished tier costs you nothing and is part of the free review.
What should I gather before placing an account?
The documents that prove the debt — agreement or contract, invoices, statements, payment ledger — plus whatever correspondence exists and the debtor’s current details. Send it through the free review form; the collectability read and quote come back within one business day.
Put your receivables on the bill
Who owes you, how much, how long — the honest read and quote come back within one business day.
The 90-day window doesn’t do reunion tours.
Place it while the leverage is loud — or read your lane first.