PRE‑LITIGATION COLLECTION STRATEGY

Our 14‑Day Commercial Pressure System That Gets Businesses Paid Fast

At Asset Recovery Management (ARM), we don’t wait for payment — we create the conditions that make payment the debtor’s best option.
Our Pre‑Litigation strategy is engineered specifically for B2B commercial collections of $10,000+, using documentation, commercial leverage, outside‑the‑box intelligence, and attorney‑ready escalation to produce results within days, not months.

This is where ARM separates from traditional agencies.
No form letters. No waiting. No bluffing.

OUR PRE‑LITIGATION PROCESS

A 14‑Day Pressure Sprint Designed to Move Payment Quickly

We built this system for one purpose:
Resolve the majority of B2B claims BEFORE litigation, while ensuring the debtor clearly sees litigation is the next step.

STEP 1 — FILE PREPARATION & LEVERAGE BUILDING

(Day 0–2)

We move immediately:

Document Verification

• Invoices, statements, contracts, POs, delivery confirmations

• Identify contract‑based interest, late fees, or penalties

• Calculate statutory or default commercial interest

Debtor Intelligence

We map the debtor’s world to understand leverage points:

• Corporate structure & officers

• Parent companies, subsidiaries, related entities

• UCC filings and secured creditor stack

• Vendor, client, and supplier relationships

• Business reputation footprint

• Indicators of cash‑flow strain or asset dissipation

Attorney‑Ready File

We prepare a litigation‑ready packet from Day 1:

• Cause‑of‑action outline (Open Book Account, Account Stated, Breach, Goods Sold & Delivered, Services Rendered, UCC Article 2, etc.)

• Venue strategy

• Damages and interest calculations

By the time the debtor hears from us, we already know how to sue them — and they feel it.

STEP 2 — HIGH‑IMPACT DEMAND & MULTI‑CHANNEL CONTACT

(Day 3–7)

This is where ARM’s approach becomes unmistakably different.

Commercial‑Grade Demand

Our demands are:

• Legally framed

• Precise

• Deadline‑driven

• Built to eliminate stall tactics

They communicate one thing clearly:
Payment now is cheaper than what comes next.

Strategic Multi‑Channel Outreach

We contact the debtor where they do business, including:

• Direct business lines

• Corporate email

• Officer or manager contacts

• Vendors, business references, or associates (commercially permissible awareness outreach only)

• Shared industry channels

• Verified business mobile numbers where appropriate

Debtors who have ignored months of client outreach respond quickly when approached by a firm that understands their industry, their corporate structure, and their exposure.

Two‑Track Framework

Every communication makes the choice obvious:

Track 1 — Immediate Resolution
Payment, settlement, or structured plan within a strict deadline.

Track 2 — Attorney Escalation
Complaint already drafted; venue identified; damages calculated.

No confusion. No gray area. No room for delay.

STEP 3 — FINAL PRE‑LITIGATION PUSH & ATTORNEY DECISION POINT

(Day 8–14)

This is the final pressure phase before escalation.

Final Commercial Demand

A last, firm, attorney‑ready notice with hard deadlines and clear consequences.

Escalation Indicators Reviewed

We escalate when we detect:

• Repeated stalling

• Asset concealment or dissipation

• Corporate shell games

• Executive avoidance behavior

• Bankruptcy threats

• Open hostility or refusal

• A debtor who is financially capable but unwilling

Attorney Handoff (If required)

When escalation is necessary, we move immediately:

• Attorney demand drafted and issued

• Filing options reviewed

• All documentation pre‑assembled

• Debtor notified of impending legal action

Most debtors resolve before escalation — but those who don’t, understand exactly what’s coming.

WHY OUR PRE‑LITIGATION SYSTEM WORKS

1. It’s Aggressive — But Professional

We don’t rely on outdated agency tactics.
We use commercial psychology, legal leverage, and business intelligence to force movement.

2. It’s Fast

The longer a receivable ages, the lower the recovery.
That’s why our system is engineered to produce outcomes in 7–21 days.

3. It’s Credible

Debtors pay because they know:

• We’re commercial‑only

• We understand corporate law and exposure

• Litigation is a real, prepared option

4. It’s Cost‑Effective

No retainers. No hourly billing.
Contingency only. If we don’t collect, you don’t pay.

WHO BENEFITS FROM OUR PRE‑LITIGATION STRATEGY

• Construction suppliers & contractors

• Manufacturers & distributors

• Healthcare suppliers, labs, medical device vendors

• Staffing & recruiting firms

• SaaS, IT, and technology companies

• Marketing, advertising, and media firms

• Professional service providers

• Any B2B creditor with $10,000+ outstanding

If the debtor is a business — we can apply pressure that works.

WHEN PRE‑LITIGATION IS ENOUGH

Our 14‑day system resolves a large portion of commercial claims without needing to file suit.
Businesses pay because the cost of not paying becomes immediate and real.

WHEN WE ESCALATE TO ATTORNEY‑LED COLLECTIONS

We don’t treat legal escalation as a threat — we treat it as a business decision.
If litigation improves your net result, we escalate. If it doesn’t, we don’t.

ARM always protects your ROI.

Fast. Aggressive. Attorney‑Ready. No Collection, No Fee.

Your past‑due receivables aren’t just numbers.
They’re cash flow, payroll, inventory, and opportunity.