ATTORNEY‑LED COMMERCIAL COLLECTION STRATEGY

When Pre‑Litigation Isn’t Enough — We Escalate with Real Legal Firepower

At Asset Recovery Management (ARM), litigation is never the first step — but it is always prepared.
Our attorney‑led collections strategy exists for one purpose:

To make sure your debtor understands that ignoring payment is no longer an option.

When a business debtor refuses to cooperate, stalls, hides assets, or intentionally delays payment, we escalate with surgical legal pressure, leveraging attorneys who specialize exclusively in commercial collection litigation.

No empty threats.
No generic “attorney letterhead.”
Only real litigation‑ready enforcement designed to secure payment as quickly and cost‑effectively as possible.

WHEN WE TRIGGER ATTORNEY‑LED ESCALATION

Our escalation criteria are simple and strategic:

1. Debtor has capacity but refuses cooperation

Clear signs of unwillingness, not inability.

2. Debtor exhibits stall tactics

“Send it again,” “We’re reviewing,” “We’ll get back to you next week.”
We end these games immediately.

3. Evidence of asset concealment or risk

Corporate restructuring, dissolutions, transfers, insider behavior.

4. Prior promises broken

Deadlines ignored or payment plans abandoned.

5. Complex corporate structures

Debtors hiding behind LLCs, DBAs, alter egos, related entities, or shell games.

When any of this hit, we escalate — fast.

WHAT ATTORNEY‑LED COLLECTIONS LOOK LIKE AT ARM

Attorney escalation isn’t symbolic. It’s operational.

1. Case Hand‑Off to Jurisdiction‑Specific Counsel

We engage specialized partner attorney's familiar with the debtor’s state, venue, and commercial statutes.
This ensures:

Faster filings
Proper venue selection
Maximum enforceability

2. Draft Complaint Already Prepared

Because ARM builds litigation‑ready files during Pre‑Litigation, your attorney begins with:

Verified documentation (contract, invoices, POs, statements)
Cause‑of‑action outline
Venue recommendation
Interest calculations
Damages schedule

There is no slow start. The attorney begins with momentum.

3. Attorney Demand Letter With Real Consequences

Not a form letter. Not a “last warning.”
A professionally aggressive legal demand that makes the debtor confront the cost of continued non‑payment. Most debtors pay before suit is filed.

4. Filing of the Lawsuit (If necessary)

When payment still does not occur, counsel proceeds:

Breach of Contract
Open Book Account
Account Stated
Goods Sold & Delivered / Services Rendered
Unjust Enrichment
UCC Article 2 / Sale of Goods

We pursue principal, contractual interest, statutory interest, attorney’s fees (where allowed), and court costs.

5. Post‑Judgment Enforcement

If we secure a judgment and payment still doesn’t occur, we continue pressure using attorney‑driven remedies:

Bank levies
Wage garnishment (where allowed for corporate officers with personal guarantees)
UCC lien enforcement
Charging orders
Till taps
Equipment seizure
Debtor exams / asset discovery
Judgment liens on property

This is full‑spectrum business enforcement — not letter writing.

WHY ARM’S ATTORNEY‑LED MODEL OUTPERFORMS TRADITIONAL COLLECTION AGENCIES

1. We Prepare for Litigation Before We Need It

Debtors immediately feel the difference when they see our structure, tone, and documentation.
We don’t bluff. We build real cases.

2. Our Attorneys Only Handle Commercial Debt

This isn’t consumer work.
This is:

B2B litigation
Contract disputes
Commercial collections
Corporate enforcement

Our attorney partners specialize in commercial cases — not general practice.

3. We Choose Litigation Only When It Improves Your Net Recovery

Litigation is a business decision, not an emotional one.
If filing suit increases your net return, we proceed.
If it doesn’t, we don’t.

4. Debtors Respond to Genuine Legal Exposure

Once an attorney communicates:

the complaint is drafted
the venue is selected
the damages are calculated
interest is accruing

Debtor behavior changes quickly.

5. Faster, More Credible Pressure = Higher Recovery

When debtors know litigation is real and ready, settlements accelerate.
Stalling stops. Excuses disappear. Payment becomes the rational choice.

OUR ATTORNEY‑LED ESCALATION APPLIES TO ALL B2B CLAIM TYPES

Unpaid invoices
Breach of contract
Goods sold & delivered
Services rendered
Manufacturing & distribution receivables
Construction & building materials
Healthcare / medical supply
Staffing & recruiting
Media & advertising receivables
SaaS, IT, and technology debt
Wholesale supply chain receivables

DOES ATTORNEY ESCALATION MEAN LITIGATION IS GUARANTEED?

No.
Attorney involvement doesn’t automatically mean a lawsuit.
Often, the attorney demand letter alone is enough to secure payment.

Businesses do not want:

judgments
bank levies
liens
public litigation records
corporate officer exposure
collection fees and interest piled on

Once they see litigation is not theoretical — but prepared — they act.

YOUR FINANCIAL OUTCOME DRIVES EVERY DECISION

We escalate to litigation only if:

the documentation is strong
the venue is favorable
collectability is high
the debtor has assets
filing improves your net return

ARM protects your ROI at every step.

READY FOR REAL LEGAL LEVERAGE?

If Pre‑Litigation Fails — We Escalate With Strength, Speed, and Strategy.

Your commercial receivable is not optional.
If a business debtor refuses to do what’s right, ARM ensures they face the consequences.

Let’s bring real legal pressure to the table.