Ivy Recovery Group — Debt Recovery Solutions

Services

Recovery programs structured for compliance first and results always

Whether you need early-stage outreach under your own brand or full contingency collections on charged-off accounts, each Ivy program follows the same standard: lawful, respectful, documented, and measurable.

Discuss your portfolio How it works

At a Glance

Eight ways we help you recover what you are owed

Third-Party Collections

Contingency recovery on delinquent and charged-off accounts. No Recovery, No Fee.

Details

First-Party / Early-Stage

Pre-charge-off outreach in your name, preserving the customer relationship.

Details

Commercial (B2B)

Business-to-business recovery designed to protect vendor relationships.

Details

Consumer Collections

FDCPA- and Regulation F-compliant recovery with respectful consumer treatment.

Details

Skip Tracing & Asset Location

Permissible-purpose research to locate current contact information and assets.

Details

Credit Bureau Reporting

Accurate furnishing and FCRA-compliant dispute handling, where permitted.

Details

Portfolio Purchasing

[PLACEHOLDER – remove if not offered] Acquisition of charged-off receivables.

Details

Legal Referral Network

[PLACEHOLDER] Referral of eligible accounts to independent, licensed counsel.

Details

Service Details

What each program includes

Third-Party Collections Contingency · No Recovery, No Fee

Our core service. You place delinquent or charged-off accounts with Ivy Recovery Group and we pursue resolution in our own name as a third-party debt collector. Fees are contingent on recovery: if we collect nothing, you owe nothing on that account.

Every placement moves through compliance scrubbing, validation notices that meet Regulation F content requirements, frequency-limited outreach, dispute handling, and structured remittance. Clients receive account-level activity reporting and may audit our work at any time. Fee percentages are quoted per portfolio based on account age, balance, and industry — [PLACEHOLDER: typical fee range or "quoted on request"].

Request a quote

First-Party / Early-Stage Outsourcing

For accounts that are past due but not yet charged off, we act as an extension of your billing or customer-service team, contacting customers under your name and following your brand standards and scripts. The goal is to resolve balances early, reduce roll rates into later delinquency, and keep the customer relationship intact.

Programs are typically priced on a per-account, per-contact, or flat-fee basis rather than contingency. Although first-party work is not always subject to the FDCPA, we apply the same conduct standards, consent management, and call-time limits across every program.

Commercial (B2B) Collections

Unpaid invoices between businesses call for a different approach than consumer accounts: disputes are often about deliverables, terms, or documentation rather than ability to pay. Our commercial team works with your accounts-receivable staff to reconcile records, reach decision-makers, and negotiate resolution while protecting the vendor relationship where you want it preserved.

Commercial placements are handled on a contingency basis with tiered rates by balance and age. Where an account cannot be resolved directly, we can coordinate a referral to independent counsel through our legal referral network [PLACEHOLDER], only with your written authorization.

Consumer Collections

Consumer accounts — medical bills, retail balances, utility arrears, personal loans, and similar obligations — are governed by the FDCPA, Regulation F, the FCRA, the TCPA, and a patchwork of state statutes. Our consumer program is built to satisfy each of them: model validation notices, a seven-in-seven call-frequency presumption, opt-out mechanisms for electronic communication, and written procedures for disputes and cease requests.

We believe respectful treatment produces better recoveries. Representatives are trained to explain, listen, and offer realistic resolution options rather than pressure. Complaint rates and dispute rates are tracked and reported to clients.

See what consumers experience

Skip Tracing & Asset Location

When contact information is outdated, we use licensed data sources under a permissible purpose to locate current addresses and phone numbers, and — for commercial accounts or where authorized — to identify assets relevant to resolution. All searches are logged and governed by the FCRA, the GLBA, and the Driver's Privacy Protection Act.

Skip tracing is included in contingency programs and available as a standalone service for clients managing recovery in-house.

Credit Bureau Reporting

Where permitted by law and authorized by the client, we furnish account information to the national consumer reporting agencies in Metro 2 format. Reporting is never used as a threat and is never done before a consumer has received validation and an opportunity to dispute, consistent with Regulation F.

We maintain written FCRA furnisher procedures covering accuracy, integrity, direct and indirect disputes, and deletion or correction of tradelines when required. Medical debt reporting follows current bureau policies and applicable state restrictions.

Portfolio Purchasing / Debt Buying [PLACEHOLDER – remove this section if not offered]

For creditors who prefer to remove charged-off receivables from the balance sheet entirely, Ivy Recovery Group can evaluate portfolios for purchase. Pricing depends on asset class, age, documentation quality, and chain-of-title completeness.

Purchased accounts are serviced under the same compliance framework as placed accounts. [PLACEHOLDER: describe asset classes purchased, minimum portfolio size, and any state debt-buyer licensing held]

Next Step

Tell us about your receivables

Share your industry, approximate volume, and account age. We will reply by email with a recommended program and fee structure.

Recover Debt