A network, not a call centre
Licensed collection agencies and law firms, selected per file. The right partner for a domestic invoice is rarely the right one for a cross-border claim.
Accounts Receivable Consulting
An obligation is not a request.
Obligational is an accounts receivable consultancy. We assess the file, place it with the licensed collection agency or law firm best suited to that debtor and that jurisdiction, and stay on the creditor's side of the table until it resolves.
Your side of the table
We are engaged by the creditor, not the agency. That means we can tell you when a partner is underperforming, and move the file.
Escalation, not attrition
Fixed decision points instead of indefinite chasing. A debtor who will not resolve is moved forward, not called again.
Practice
What we actually do with your file.
We are the layer between a creditor and the recovery market. Age, documentation quality, debtor solvency and jurisdiction decide which partner is right, and we will tell you when the answer is that a file is not worth pursuing at all.
01 / ASSESSMENT
File assessment
We read the contract, the invoices and the correspondence and tell you what the file is actually worth pursuing. Documentation gaps, limitation periods and debtor solvency are identified before anyone is engaged and before you spend anything.
02 / PLACEMENT
Network placement
We place the file with the licensed collection agency or law firm suited to that debtor, that amount and that jurisdiction. A domestic invoice, a cross-border claim and a file already heading to judgment are three different partners, not one.
03 / OVERSIGHT
Oversight and reporting
We stay engaged after placement. Progress is tracked against the agreed stages, you get one consolidated view instead of chasing each partner, and a file that stalls is moved rather than left to age quietly.
04 / STRUCTURE
Receivables consulting
The upstream work that stops the next file: credit terms, documentation standards, and the point at which an account should leave your internal process. Most bad receivables were avoidable at contract stage.
Process
Fixed stages. One point of contact.
You deal with us. We deal with the network. You know at the outset what happens, in what order, and what triggers the next step.
Assessment
We review the file before anything is placed. Files with fatal documentation gaps are declined rather than passed to a partner and quietly parked.
Placement
Matched to the agency or firm that fits the debtor, the amount and the jurisdiction. You approve the partner and the terms before the file moves.
Recovery
The partner works the file under their own licence and authority. We monitor progress, hold them to the agreed stages, and report to you in one place.
Escalation or exit
Where the debtor will not engage, the file moves to litigation with the record already assembled, or we tell you plainly that it should be written off.
Most debtors do not refuse to pay. They wait to see whether anyone is actually going to do anything about it.
Governance
We do not hold the licence. We check that our partners do.
Debt collection is a regulated activity and the rules differ by jurisdiction. Obligational is a consultancy, not a collection agency and not a law firm, so the licensed work is always performed by the partner engaged on your file. A recovery obtained improperly becomes the creditor's liability, which is precisely why we vet who touches it.
- Licence verified before placement. A partner's authority to collect or to practise in the relevant jurisdiction is confirmed before your file reaches them.
- You approve the partner. No file is placed with an agency or firm you have not agreed to.
- We claim no authority we do not hold. We are not a collection agency and not a law firm, and nothing we send you is legal advice.
- Funds go direct. Recovered amounts are handled by the licensed partner under their trust and remittance obligations, not routed through us.
- Declared conflicts. Where a debtor is an existing counterparty of ours, the engagement is disclosed or refused.
Engage
Refer a file.
Tell us the size, the age and whether it is documented. We will tell you candidly whether it is worth pursuing, which partner fits it, and when the answer is that it is not worth pursuing at all.
Direct: files@obligational.com · +1 646 859 7112