Why Early Action in Q3 Matters

Do you or your clients usually wait until the end of the year to review receivables?

Waiting until Q4 to resolve receivables issues can severely limit collection options, especially as customers begin tightening their budgets or closing out their fiscal year. Addressing slow-paying accounts in Q3 can help ensure:

• Better cash flow management.
• Fewer write-offs or bad debt adjustments.
• Improved year-end financial reporting.
• Stronger relationships with reliable clients through clearer communication.

How to Identify Risk Early

Here’s what we recommend your clients watch for in their mid-year receivables review:

• Accounts that are 60+ days past due with no recent payment activity
• Customers who frequently delay or dispute invoices
• Clients whose payment behavior has suddenly changed
• Repeated broken payment promises or bounced checks

If they’re seeing any of the above, it’s time to take action.

Learn more in our latest article.

Partner with a Trusted Commercial Collector

At RSD, we specialize in helping B2B clients recover what they’re owed—professionally, respectfully, and efficiently. We provide customized commercial collection strategies that support your business relationships while ensuring outstanding invoices don’t slip through the cracks.

If you have questions or you’re ready to collect, call (248) 370-8160 or submit a contact form here. We look forward to taking the weight of debt collection off your shoulders!

Why Summer is the Season for Strategy

What are the advantages of reviewing receivables mid-year?

Unlike the chaotic year-end push or the busy post-holiday Q1, summer offers a natural lull in many industries. This makes it an ideal window for back-office evaluations—especially for accounts receivable.

Encourage your clients to use this quieter time to:

• Analyze their accounts aging reports
• Re-evaluate credit terms and payment behaviors
• Pinpoint slow-paying or high-risk customers before they become delinquent

A mid-year review gives your clients a proactive advantage, allowing them to reinforce internal collection efforts or escalate accounts to a professional third party (like RSD) while there’s still time to improve outcomes before year-end.

Learn more in our latest article.

Partner with a Trusted Commercial Collector

At RSD, we specialize in helping B2B clients recover what they’re owed—professionally, respectfully, and efficiently. We provide customized commercial collection strategies that support your business relationships while ensuring outstanding invoices don’t slip through the cracks.

If you have questions or you’re ready to collect, call (248) 370-8160 or submit a contact form here. We look forward to taking the weight of debt collection off your shoulders!

Data Analytics and Predictive Tools for Collections

Did you know that predictive tools can help make keeping track of delinquent accounts easier?

Not all delinquent accounts are the same. With data analytics, businesses can move beyond a one-size-fits-all approach. Predictive tools analyze historical data to identify which accounts are more likely to default and which are likely to pay with minimal prompting. This allows businesses to prioritize collection efforts, allocate employees and resources more efficiently, and increase recovery rates.

Predictive modeling can also help identify the most effective communication strategies for different segments of your debtor base, leading to more targeted (and successful) collection campaigns.

Learn more in our latest article.

End the Endless Search for Debt Collection Companies

We know that there are a lot of debt collection companies out there to choose from, so why pick RSD? Our team uses up-to-date technology and a non-hostile collection approach, which means our services are both efficient and empathetic. We’re also CLLA certified! 

To get started, call (248) 370-8160 or submit a contact form here. We look forward to taking the weight of debt collection off your shoulders!

Automation in Collections

Wondering what processes in debt collection can be automated?

Automation is one of the most impactful innovations in modern debt collection. Tools such as automated reminders via email, text, or phone can replace repetitive tasks and ensure consistent follow-up without overwhelming your team. These systems can be tailor-made based on the age of the debt or the client’s behavior, improving timing and effectiveness. Additionally, AI-driven platforms can help identify optimal contact times and channels, increasing the likelihood of reaching a resolution.

Self-service payment portals are another critical component of automation. They allow customers to view balances and settle debts securely without needing to speak to a representative. This not only speeds up collections, but also enhances the customer experience.

Learn more in our latest article.

End the Endless Search for Debt Collection Companies

We know that there are a lot of debt collection companies out there to choose from, so why pick RSD? Our team uses up-to-date technology and a non-hostile collection approach, which means our services are both efficient and empathetic. We’re also CLLA certified! 

To get started, call (248) 370-8160 or submit a contact form here. We look forward to taking the weight of debt collection off your shoulders!

The Role of Lawyers in Commercial Debt Collection

How can a lawyer help you with your commercial collection case?

Engaging a qualified attorney can significantly increase your chances of successful debt recovery, especially in complex or high-stakes cases. Legal professionals can assist with:

• Drafting demand letters that carry legal weight and encourage resolution without litigation.
• Evaluating the debtor’s financial situation and determining whether court action is likely to yield results.
• Filing lawsuits and representing your business in court, ensuring that all procedural rules are followed and your case is well-supported.

Working with a lawyer ensures that your collection efforts are both compliant and strategically sound, minimizing legal risks while maximizing recovery potential.

Learn more in our latest article.

You don’t have to navigate commercial debt collection alone!

Legal issues are an unavoidable aspect of commercial debt collection, but with the right knowledge and strategic approach, businesses can recover more—and do it legally and ethically. 

If your business is facing unpaid debts and you're unsure about your legal options, our team is here to help. Call (248) 370-8160 or submit a contact form to learn more about how we can support your commercial collection efforts!

What is the legal framework for commercial debt collection?

What rules do you need to be aware of when collecting commercial debt?

Commercial debt collections are governed by a different set of rules than consumer debt. Key among these is the Uniform Commercial Code (UCC), which provides guidance on sales of goods, secured transactions, and negotiable instruments. Familiarity with the UCC can help collectors understand how to enforce liens or reclaim goods when terms of sale are violated.

In addition, commercial collections may involve filing lawsuits, obtaining judgments, or placing liens on a debtor’s property. Each step in the process requires adherence to specific legal procedures and documentation to ensure enforceability and avoid violations.

Unlike consumer collections, commercial collectors are not bound by the Fair Debt Collection Practices Act (FDCPA), but that doesn’t mean anything goes. Ethical practices and adherence to state laws remain crucial to maintaining a solid professional reputation and avoiding countersuits.

Learn more in our latest article.

You don’t have to navigate commercial debt collection alone!

Legal issues are an unavoidable aspect of commercial debt collection, but with the right knowledge and strategic approach, businesses can recover more—and do it legally and ethically. 

If your business is facing unpaid debts and you're unsure about your legal options, our team is here to help. Call (248) 370-8160 or submit a contact form to learn more about how we can support your commercial collection efforts!

How to Deal with Customer Push Back

What do you do when a customer who owes you money won’t pay?

Not all customers will comply immediately, and some may dispute the debt or outright refuse to pay. Here are strategies to handle pushback effectively:

• Stay Professional. Maintain a calm, professional, and empathetic tone to prevent further resistance.
• Listen Actively. Understanding the customer’s reasons for non-payment can help tailor an effective solution.
• Provide Documentation. Present invoices, contracts, and payment history to substantiate the claim.
• Offer Solutions. Propose alternative solutions such as payment plans to make it easier for the debtor to settle the amount owed.

Negotiation Tactics

When dealing with delinquent accounts, negotiation can be a powerful tool. Consider these tactics to maximize recovery:

• Offer Payment Plans. Breaking down the total amount into manageable installments can encourage payment.
• Propose Settlement Offers. If collecting the full debt seems unlikely, offering a reduced amount for immediate payment may be a viable solution.
• Set Firm Deadlines. Define clear deadlines for payment to create a sense of urgency and commitment.
• Leverage Incentives or Consequences. Offering discounts for prompt payment or warning of potential legal actions can motivate the debtor to act.

Read more in our latest article.

Take the Pressure Off with Commercial Debt Collection

When it’s time to call in a third-party collector, RSD has you covered. When you work with our commercial debt collection experts, you’ll get the money you’re owed within 90 days. To get started, call (248) 370-8160 or submit a contact form. If you’re ready to submit a claim, you can skip straight to our claim form.