How Commercial Debt Collection Works with Stevens & Ricci
Our Legal-First Process Delivers Faster, Smarter Recovery.
If you’re owed $10,000 or more, our attorney-driven collection process is designed to move fast, apply legal pressure, and deliver results—without upfront fees on a flat contingency starting at 20%.
What Sets Our Debt Collection Attorneys Apart
At Stevens & Ricci, we don’t rely on call centers or generic agency scripts. We built a process around legal enforcement and attorney credibility. Essentially, we prepare for suit then work backwards to avoid suit and resolve payment – anticipating debtor defenses as they relate to your contract.
The result?
- Faster recoveries – average 30-45 days
- Fewer dead-end accounts
- A 72% success rate—compared to the industry average of 28%
Our clients come to us after wasting months with traditional agencies. Once they see our process, they understand why we win cases where others fail.
Step-by-Step: How Our Attorney Focused Collection Process Works
1. Free Intake Assessment & Pre-Qualification
We review your case to ensure it meets our standards for legal-based recovery. This includes:
- Claim amount ($10,000 minimum)
- Age of the debt
- Supporting documentation
- Debtor profile
Only qualified claims are accepted—so your time isn’t wasted.
2. Jurisdiction-Based Attorney Assignment
Once accepted, we assign your case to an experienced debt collection attorney in the debtor’s jurisdiction. Local legal knowledge matters—it makes your claim stronger and more enforceable.
3. Legal Action Begins – Fast
Our legal desk attorney contacts the debtor directly with:
- Legal demand letters
- Formal notice of intent to pursue litigation if payment is not made
Because this isn’t just a threat—it’s coming from an actual attorney—debtors take it seriously.
4. Resolution or Escalation
Most debtors pay within 30–45 days. If they don’t, your attorney will review options for:
- Filing suit
- Securing judgment
- Garnishing funds or attaching assets (where permitted)
We only escalate when necessary, and always with your approval.
5. Payment Recovered – You Get Paid
Once funds are recovered, we send your payment minus the agreed-upon contingency fee.
- No collection = no fee
- No retainers
- No hourly billing surprises
Call our legal desk: 888-722-1611
We Only Accept Claims of $10,000 or More
Our attorney-driven strategy isn’t effective for small claims.
What Makes Our Process Different from a Collection Agency?
| Collection Agencies | Stevens & Ricci’s Attorney Focused Process |
| Send repeated letters and phone calls | Assign a real attorney with legal power |
| Can be ignored by debtors | Demand immediate action or face legal escalation |
| Little leverage to force compliance | Apply pressure through enforceable legal claims |
| Often require upfront costs | No recovery, no fee |
“Collection agencies send threats. We send attorneys.”
Frequently Asked Questions About Our Process
Most recoveries happen within 30–45 days, but we can move faster if needed.
We’ll email you a detailed suit instruction letter from our Commercial Claims Filing Division. Our legal desk lawyers are ready to escalate when necessary.
Yes. We maintain open lines of communication with clients and the legal desk attorneys. Our legal coordinator provides frequent updates.
No. Our process is designed for commercial debts of $10K or more.
Considering Legal Collection Services?
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Let’s Recover Your Business Debt—The Right Way
If you’re tired of chasing payments and getting nowhere, our proven process gives you the legal backing, strategic guidance, and results you need.
Legal pressure from day one
Attorneys in all 50 states
No recovery, no fee
Faster recoveries = stronger cash flow
