Why 120+ Day Old Accounts with No Communication Deserve Immediate Attention

When an account passes 120 days with no response from the debtor, the likelihood of collecting through internal efforts drops sharply. Silence often signals deeper issues — cash flow problems, disorganization, or intentional avoidance.

At the start of a new year, continuing to carry these accounts can distort your financial picture and consume valuable internal resources. By placing silent, aged receivables with a professional commercial debt collection agency, businesses can improve reporting accuracy, reduce administrative strain, and increase the chances of recovery before the debt becomes too old to pursue effectively.

Learn more about when and why placing 120+ day old accounts with no communication is a smart business move in our latest article.

Pick a Tried-and-True Debt Collection Agency

You don’t need to take a chance when you work with an accredited commercial debt collection agency like RSD. We’ll get you the money you’re owed with as little effort and anxiety possible on your part.

To get started, call 248-370-8160 or submit an online contact form.

Why Forward Old Debt to RSD?

How does using a debt collector make a difference?

For more than 50 years, we’ve been helping businesses nationwide recover commercial debt in a fast, professional, and ethical manner. Whether your past-due accounts stem from slow-pay customers, sudden non-payment, or businesses that have gone silent, our team has the resources to pursue the debt efficiently and effectively.

We specialize in:

• Hard-to-collect commercial accounts
• Business-to-business past due invoices
• Skip tracing and locating non-responsive debtors
• Legal action when necessary, backed by our national attorney network

Our goal is always the same: maximize your business debt collection recovery while keeping your business relationships and reputation intact.

Learn more in our latest article.

Start 2026 With Confidence—Let Us Handle Your Business Debt Collection

The beginning of the year offers a fresh opportunity to strengthen your financial foundation. By writing off your overdue 2025 receivables of 120 days or more and forwarding them to us, you can reduce stress, free up internal resources, and generate fast cash through successful recovery.

Contact us today to get started and turn past-due invoices into real revenue!

Why Address 120+ Day Past-Due Accounts Now?

Did you know that the older a debt is, the harder it is to get the full return?

When an invoice hits the 120-day mark with no payment, the likelihood of voluntary recovery drops significantly. These accounts often require professional follow-up and strategic collection methods to produce results. By acting early in the year, your business can:

1. Immediately Improve Cash Flow

Past-due accounts create financial drag. Turning them over to us allows your team to focus on new revenue while we work to recover the money owed to you.

2. Clean Up Your Books for 2026

A clean financial slate sets your business up for a stronger year. Writing off uncollectible debt and sending it to a trusted commercial collection agency helps you maintain accurate, organized records.

3. Recover Revenue You Would Otherwise Lose

Even if an invoice seems “too old,” our experience with commercial debt recovery means we often collect what others cannot. Our skilled business debt collectors, skip tracing tools, and customized recovery strategies give your business a renewed chance at being paid.

Learn more in our latest article.

Start 2026 With Confidence—Let Us Handle Your Business Debt Collection

The beginning of the year offers a fresh opportunity to strengthen your financial foundation. By writing off your overdue 2025 receivables of 120 days or more and forwarding them to us, you can reduce stress, free up internal resources, and generate fast cash through successful recovery.

Contact us today to get started and turn past-due invoices into real revenue!

Collect on Debts from 2025 ASAP!

Feeling anxious about getting the money you’re owed before the new year?

Everyone wants a clean slate at the beginning of 2026! That’s why the end of the year is an important time to clean up delinquent accounts. The older a debt is, the harder it is to get the full return. 

Once a debt reaches 90-120 days past due, it’s more important than ever to enlist the help of a debt collection agency. By 120 days, the collection rate has gone down to nearly half of what it should be. As you’re squaring away the books to have a clean financial start to the new year, make sure to catalog the age of any debt you’re owed, and don’t wait to reach out to a debt collection company to get the money you’re owed in the most efficient way possible.

Read more in our latest article.

RSD is Your New Year Debt Collection Agency

You should enjoy the holidays without the stress of chasing down debt. The expert debt collectors at RSD specialize in using an efficient but friendly approach. To get started, call (248) 370-8160 or submit a contact form.

Age of Debt & How it Affects Collection Rate

Still waiting on payments for debts owed from earlier in 2025?

The best time to contact a debt collector to get maximum recovery is 60-90 days within the invoice due date. The older a debt is, the harder it is to get the full return. Here’s the general breakdown of how the age of the debt affects the collection rate:

• At Due Date: 94.9% collection rate
• After 30 Days: 89.9%
• 60 Days: 81.3%
• 90 Days: 69.6%
• 6 Months: 52.1%
• 9 Months: 39.1%
• 1 Year: 22.8%
• 2 Years: 9.3%

Learn more in our latest article.

RSD is Your New Year Debt Collection Agency

You should enjoy the holidays without the stress of chasing down debt. The expert debt collectors at RSD specialize in using an efficient but friendly approach. To get started, call (248) 370-8160 or submit a contact form.

How to Begin the Debt Collection Process

Need help collecting commercial debt, but not sure where to start?

Don’t worry, it’s not too difficult! Here’s a quick rundown of how to start working with a commercial debt collection agency, as well as the benefits of working with one:

How to Start

1. Compile all relevant documentation (contracts, invoices, correspondence, proof of delivery)
2. Contact your chosen commercial collection agency
3. Sign an engagement agreement or contract
4. Place your claims (via portal, upload interface, or secure method)
5. Monitor progress via their reporting system
6. Receive remittance once claims are successfully resolved

Advantages of Hiring a Commercial Debt Collection Agency

• Higher recovery rates than in-house efforts
• Saves your time and resources so your team can focus on core operations
• Preserves business relationships
• Legal escalation and enforcement
• Better reporting and collection intelligence

Learn more in our latest article.

Looking for a Commercial Collection Agency? Look No Further!

You can count on the collection experts at RSD to follow through on all the steps of the collection process! If you'd like to talk about how we can help you and your business, feel free to contact us or submit a claim today.

How the Commercial Debt Collection Process Works

Does the commercial collection process feel intimidating?

In this blog, we’ll explain the processes used by commercial debt collection agencies in clear terms, so you don’t have to wonder or guess!

1. Claim Assessment & Onboarding
1. The collector reviews your documentation (sales agreement, invoices, delivery receipts, correspondence)
2. They may assess legal jurisdiction, statute of limitations, and debtor solvency
3. You formally place a claim with the collection agency, then the agency obtains your permission to act, often via a contract or engagement letter
2. Demand and Negotiation Phase
1. The agency sends a formal demand notice to the debtor, often a “final notice before action”
2. They open lines of communication: calls, letters, emails
3. They may negotiate payment terms or settlement offers
3. Escalation & Legal Evaluation
1. If demand fails, the agency evaluates whether litigation is feasible or cost-effective
2. They may consult with attorneys to assess suit risk, jurisdiction, and strategy
4. Legal Action (if necessary)
1. If litigation is chosen, the agency or an attorney may file suit
2. They may obtain a judgment, then proceed to collection tactics (e.g. liens, garnishments, bank levies)
3. All action must comply with applicable laws and regulations
5. Post-Judgment Enforcement & Recovery
1. The agency enforces the judgment using available legal tools
2. They may monitor debtor assets, coordinate with attorneys, or use court orders to collect
3. Once funds are recovered, remittance is forwarded to the client

Learn more in our latest article.

Looking for a Commercial Collection Agency? Look No Further!

You can count on the collection experts at RSD to follow through on all the steps of the collection process! If you'd like to talk about how we can help you and your business, feel free to contact us or submit a claim today.