Turn Aging Receivables Into Recovered Cash — Without Risking Customer Relationships.
Southwest Recovery Services recovers commercial B2B debt on a pure contingency basis — you only pay when we collect. Per Dun & Bradstreet, recovery falls from 69.6% at 90 days to 22.8% after a year, so the sooner you place an account, the more you recover.
- ACA International & IACC member · BBB-accredited
- 12 offices across 7 states — we work nationally
- Relationship-safe, professional outreach that protects your brand
Show me what's recoverable
Every Month an Invoice Ages, It's Worth Less
Aging receivables aren't just late — they're depreciating assets. Per Dun & Bradstreet, commercial accounts recover at roughly 69.6% at 90 days overdue, 52.1% at six months, and just 22.8% after one year. Acting while the file is fresh is consistently the strongest position to recover from.
Cash you can't reinvest
Every $100K stuck in AR is $100K you can't put to work.
Internal teams stall
Chasing overdue invoices pulls your AR staff off higher-value work.
Relationships at risk
The wrong approach costs you a customer, not just an invoice.
A Diplomatic Extension of Your AR Team
We recover what others write off — professionally enough to protect the customer relationships you want to keep. Licensed, compliant, and aligned: we only get paid when you do.
- No upfront fees, ever — pure contingency on what we actually collect
- FDCPA / Reg F / state-compliant — your brand is protected
- Transparent reporting — documented steps, regular updates, no surprises
- Nationwide reach — 12 offices across 7 states, recovering across the country
SWRS vs. the Alternatives
| Other Agencies | Southwest Recovery | In-House | |
|---|---|---|---|
| No upfront / monthly fees | — | — | |
| Relationship-safe, brand-protective outreach | — | Varies | |
| FDCPA / Reg F compliance built in | Varies | — | |
| Nationwide, multi-office reach | Varies | — | |
| Recovers aged & written-off commercial debt | Varies | — |
How Recovery Works — Four Clear Steps
Free assessment
Share your aging file; we evaluate recoverability and advise honestly — no cost, no obligation.
Compliant setup
Secure file transfer + compliance review; we build a relationship-safe approach for each account.
Professional recovery
Multi-channel, diplomatic outreach that represents your brand — fully documented.
Transparent reporting
Regular status updates, and recovered funds remitted to you.
12 Offices. 7 States. We Recover Nationally.
Local presence where your debtors are — with the reach to pursue commercial accounts across the country.
Credentials a Compliant Partner Should Carry
Recognized by Clutch
Named a Top Clutch Collections Company — United States 2026, with a verified Chamber of Commerce profile.
BBB Accredited & compliant
BBB-accredited business, ACA International & IACC member — the standards a reputable collections partner is held to. View our BBB profile →
No Recovery, No Fee
We work on pure contingency. You only pay a percentage when we actually collect — and that percentage flexes with the age and size of the debt.
You pay
A pre-agreed contingency percentage on funds we successfully recover. Court/legal costs only with your prior authorization.
You don't pay
Nothing up front. No monthly retainers. No fee if we don't collect.
Results depend on file age, documentation, and debtor solvency. We assess every account and advise you honestly before you decide. This describes how we charge — it is not a guarantee of recovery.
Questions Finance Leaders Ask Us First
Is this debtor-facing consumer collections?
Will collection damage our customer relationships?
Are you licensed and compliant where we do business?
What does it actually cost? Any hidden fees?
Can you handle our account age, size, or industry?
How do we see progress?
Ready to Recover What You're Owed?
Tell us about your receivables and we'll show you what's recoverable — no cost, no obligation. On the call we review account age, balance, and documentation.