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B2B Accounts · Austin & Central TexasCommercial Collections for the City That Never Stops Booking
Austin’s B2B economy runs on bookings — sprints and retainers, stages and load-outs, standing food orders and build schedules. When the work delivers and the payment doesn’t, we put third-party weight behind the invoice while the leverage is still loud, on contingency, with the grade and the quote before any commitment.
No recovery, no fee — results vary by accountThe Austin receivables setlist
| Creditor | Typical unpaid balance | The usual story |
|---|---|---|
| Agencies, dev shops & SaaS | Retainers, sprints, subscriptions, project finals | The client “restructured,” “pivoted,” or simply stopped answering the Slack |
| Event & production vendors | Staging, AV, lighting, crew, rentals | The show happened; the promoter’s payment didn’t make load-out |
| Food & beverage distributors | Standing orders and trade credit | The restaurant that ordered weekly, now three statements behind |
| Contractors & trades | Progress billings, materials, change orders | A build boom that pays slower every month it lasts |
| Staffing & professional services | Placements, billed hours, engagements | Payroll fronted weekly against terms that keep stretching |
Why timing outranks everything in Texas
Every commercial claim here runs on two clocks. The statute gives most claims four years. The market gives them about ninety days of prime collectability, and this state adds a twist that surprises out-of-state creditors: Texas’s post-judgment toolkit is unusually thin against individuals — wages largely untouchable, homesteads shielded — so the courthouse converts fewer files into money than anywhere you’ve done business. The strategic consequence isn’t despair; it’s sequencing. Pre-judgment is where Texas lets pressure work, so that’s where we spend it: demands that reach owners, settlement structures with deadlines, skip tracing when principals go quiet, and attorney escalation reserved for files whose paper and assets justify the spend.
How placement runs
- Free review. Debtor, amount, age, paper — and back comes the collectability grade (including “let it go” when that’s the truth) plus the contingency quote.
- Demands that land. Written and phone contact aimed at ownership and accounts payable, carrying third-party consequence, documented and on deadlines.
- Escalation as earned. Skip tracing, negotiated settlements with teeth, attorney-backed demand and suit recommendations where the balance supports the economics — your authorization required at every gate.
- Payout. Recoveries remitted per agreement, reporting in plain English, fee only as a share of money that actually arrived.
Aging reports and portfolios
Bring the whole book at least annually — before write-off season. Tiered grading, per-tier quotes, and the finished files named for free. A drawer of sub-$5,000 balances that would never justify solo placement performs respectably as a batch, and the tier report doubles as a free audit of your credit terms.
Commercial FAQs
Our contracts include personal guarantees. Worth flagging?
Always — and in Texas doubly so. A guarantee survives the entity’s collapse, and against an individual guarantor the pre-judgment window is where this state gives creditors the most room to convert leverage into settlement. It changes both the grade and the sequence, so flag every one.
Our debtor left Texas. Does that end it?
No. You’re the Central Texas client; the debtor can be anywhere. Out-of-state accounts route through appropriate channels for the debtor’s jurisdiction, including licensed partners where a state requires one.
Collections first, or straight to a lawsuit?
Usually collections first — contingency pressure costs nothing up front and resolves the majority of collectible files, while Texas’s thin post-judgment toolkit means a suit should be reserved for claims whose size, paper, and reachable assets justify it. When yours is that claim, the free review says so plainly instead of running a meter first.