• National Coverage — All 50 States
  • FDCPA Compliant
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National Commercial Debt Collection & Legal Forwarding

We recover what you are owed — professionally, compliantly, and without the aggressive tactics that give the industry a bad name. Strategic debt recovery for businesses, attorneys, and healthcare providers nationwide.
  • No Recovery, No Fee
  • FDCPA Compliant
  • Licensed Data Furnisher
  • 15-Day Remittance
  • National Coverage
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⚡ Free Case Review

Is In-House Collections Really Worth the Cost?

Most businesses don’t add up what in-house debt collection actually costs them. Before you assign another employee to chase down unpaid invoices, consider what you are really spending.

IN-HOUSE COLLECTIONS

  • Salary, benefits & overhead for collectors
  • HR, training & compliance management
  • Legal liability if FDCPA rules are violated
  • Lost productivity across your core team
  • No guarantee of recovery results
  • Slow, inconsistent follow-through

HIRE PROFESSIONAL MITIGATION SERVICES

  • No upfront cost — pay on performance only
  • Fully FDCPA compliant — we handle all compliance
  • Licensed data furnisher — credit bureau reporting included
  • Legal forwarding network — no need for separate attorneys
  • Up to 84% recovery rate on accounts under 1 year
  • Remittance to you within 15 days of funds clearing
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Confirmed Collections Paid to Clients
$ 0 M+
Active Clients Currently Being Serviced
0 +
Years of Combined Industry Experience
0 +
Recovery Rate on Accounts Under 1 Year
Up to 0 %

A Structured Process for Maximum Recovery

From the moment you submit an account, our specialists build a custom recovery strategy. No generic templates. No delays. Just a focused, compliant, step-by-step approach that gets results.

1

Account Submission & Review

Submit your account online in minutes. Our team reviews every detail within 24 hours and assigns a specialist who builds a customized recovery plan specific to your account type, debtor profile, and account age.

2

Strategic Outreach

We initiate professional, FDCPA-compliant contact through the most effective channels. Every communication is documented, tracked, and designed to move the debtor toward resolution — not confrontation.

3

Negotiation & Dispute Resolution

Our specialists are trained mediators. When debtors push back, we engage professionally to find a workable resolution — protecting your relationship while recovering your funds.

4

Legal Escalation (When Necessary)

If standard recovery efforts are exhausted, we forward accounts to our vetted legal forwarding network. Attorneys are engaged strategically — never as a first resort, always as a last resort.

5

Recovery & 15-Day Remittance

Funds recovered are remitted directly to you within 15 days of clearing our trust account. Unlike other agencies that hold your money indefinitely, we put it back where it belongs — in your hands — fast.

Comprehensive Debt Recovery for Every Industry

Whether you are a contractor chasing an unpaid invoice, a medical practice managing patient balances, or an attorney enforcing a judgment, PMS has a specialized recovery program built for your situation.

Commercial Debt Collection

High-value B2B recovery

Consumer Collections

Compliant & professional

Legal Forwarding

Nationwide attorney network

Medical Collections

HIPAA-aware recovery

Pre-Collection Services

Demand & notification

Judgment Recovery

Asset enforcement
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What Our Clients Say

“An agency you can trust. If you want one of the best I have ever encountered, you found them.”
— Conrad Bernstein, New York
“Mr. Stewart has shown the professional standard we had been looking for. His knowledge of the law made us comfortable turning our files over to him. Mid Atlantic Construction highly recommends Professional Mitigation Services.”
— Anita Meehan, Mid Atlantic Construction of VA
“Devin, Jonathan and their team was THE BEST. Very professional, efficient, and polite. Most importantly, responsive.”
— Claire Underwood, Georgia

Frequently Asked Questions

A commercial debt collection agency recovers unpaid invoices, contracts, and outstanding balances owed to businesses. Professional Mitigation Services handles the entire recovery process on your behalf — from initial outreach to legal escalation — so your team can stay focused on operations rather than chasing payments.

Professional Mitigation Services operates on a contingency fee model — meaning there is no upfront cost. We only earn a fee when we successfully recover funds on your behalf. If we don’t collect, you don’t pay.
Timeline varies based on account age, debtor responsiveness, and account type. Many accounts are resolved within 30 to 90 days through professional outreach and negotiation. Accounts requiring legal action may take longer. PMS provides regular updates throughout the process.
Pre-collection involves sending professional demand notices to debtors before placing an account in full collections. It is ideal for newer accounts (30-90 days past due) where a firm but non-adversarial approach may resolve the matter quickly and preserve the business relationship. Full collections involve a more intensive recovery effort including phone outreach, skip tracing, credit bureau reporting, and legal forwarding if needed.
Yes. Every action taken by Professional Mitigation Services on consumer accounts is conducted in strict compliance with the Fair Debt Collection Practices Act (FDCPA). We are also a licensed data furnisher, meaning our credit bureau reporting practices are governed by the Fair Credit Reporting Act (FCRA).
After you submit an account, our team reviews it within 24 hours and assigns a dedicated specialist. A customized recovery strategy is built based on your account type, debtor profile, and account age. Recovery begins immediately, and any funds collected are remitted to you within 15 days of clearing our trust account.
Yes. Professional Mitigation Services handles commercial (B2B) collections, consumer collections, medical collections, tenant collections, and judgment recovery. Each program is tailored to the specific compliance requirements and best practices of that account type.
If you have received a notice from PMS and wish to dispute the debt, you can submit a written dispute through our website at the Dispute a Debt page or by contacting us directly at support@professionalmitigationservices.com. Under the FDCPA, you have the right to dispute a debt within 30 days of first contact. We will pause collection activity and investigate your dispute promptly.