Brown & Joseph has taken the status quo of mainstream collections and developed an innovative and comprehensive approach that increases premiums and claims recovery percentages, reduces exposure and reduces the need for litigation, all while preserving your company’s brand and values.

We align our commercial collection expertise with your receivable objectives. We are able to share with your team the latest in our revolutionary collection resources and best practices.

Four-Phase Collection Process

Brown & Joseph’s innovative Four-Phase Collection Process delivers the highest possible collection results for our clients.

The process uses best practices employed by commercial credit risk analysis companies, commercial collection agencies, debt collection law firms and litigation law firms for the same contingency fee you pay to your agency for B2B debt collections.

Brown & Joseph goes beyond the “status quo” by providing B2B debt collections through our innovative four phase debt collection law firm. Statistics have proven that contingency law firm collections collect the most difficult account recovery situations faster, without debt recovery litigation and costly judgment enforcement compared to using a typical debt collection agency.

Upon receipt of B2B debt collection assignments, all cases placed for collections are credit scored and a commercial credit risk analysis is reformed. This business credit intelligence is attached to the debtor information file and provides factual and critical commercial credit risk information and payment pattern trends during the collection process.

We obtain factual information about the debtor’s ability to pay and payment trends based on the past six quarters before we start the collection process.

The information contains payment history trends, state and federal tax lien information, pending laws suits, unsatisfied judgments, UCC filings, secured creditors, collection agency action, the legal business owner’s information, trending information showing whether or not the company’s payment trends are increasing or decreasing, and, their current risk factor.

Armed with this information, conversations are based on fact and not disinformation typically provided by debtor companies during the collections process to collections agencies that do not use credit and payment history information.

The benefit is faster payment of debt, higher settlements, and less litigation because we can determine whether or not a company will default during the legal process. It does not make sense to sue a company in financial distress with unsatisfied judgments already recorded.

Knowing this we will provide you with factual information so you can make the best settlement or litigation decisions when needed.

Using the commercial credit score and commercial credit risk analysis, files are segmented and prioritized by their predictive payment trend and balance. This segmentation rapidly identifies companies that have the financial resources available for rapid resolution and bad debt recovery. These cases are assigned to our experienced B2B debt collections specialists for the initial phase of collections through Brown & Joseph’s commercial collection agency.

Companies with medium to low scores, meaning high credit risk, have a tendency to delay recovery with unsubstantiated disputes. Most commercial collection agencies will refer these more difficult cases to outside counsel for debt recovery litigation, which increases contingency fees and causes their client to incur court costs.

With Brown & Joseph, these more difficult cases are diverted to our in-house collection attorney law office for pre-litigation collection calls without increasing contingency fees or charging fixed attorney fees and court costs.

The result is these more difficult cases will reallocate their payment priority, pay your debt due and delay payment to other collections agencies or vendors pursuing debt to other companies.

After all, if the debtors owe you money, chances are they also owe others and are being pursued by several collection agencies at the same time.

Ask yourself this question: Who would you pay first if you owed a debt to a company – a commercial collection agency or a collection attorney?

Combining our internal debt collection law firm with our B2B debt collections reduces litigation for our clients to less than 1% of the files assigned. The results of utilizing our debt collection law firm during the initial phases of the collection process increase bad debt recovery percentages, obtain higher settlements, reduce litigation costs and time spent resolving more difficult assignments, which reduces or eliminates costly judgment enforcement.

The good news is that you receive the impact of a law office collection attorney for the same contingency fee you now pay your collection agency.

As a member of the Commercial Collection Agency Association section of the Commercial Law League of America (CLLA), Brown & Joseph maintains a national network of experienced litigation law firms. When a debt is not paid, our internal collection law firm management team will review and recommend suit when needed based on factual commercial credit scores and the commercial credit risk analysis obtained in our initial phase.

The use of this B2B intelligence information and process greatly reduces the amount of non-profitable suits, judgments that cannot be enforced, litigation costs and costly judgment enforcement.

Innovative Solutions


A Brown & Joseph company developed through consultation with top insurance companies on their audit business practices, CPAudits can transform non-productive and/or estimated audits into actual audit premium revenues.

Special Investigations Unit

The Special Investigations Unit (SIU) was designed to provide in-depth investigation on select accounts to allow our customers to make more informed decisions with their money.

Commercial Credit Scoring

Commercial credit scoring and credit risk analysis is performed on commercial collection accounts to create a more efficient workflow process that is proven to generate higher collected amounts in shorter time frames.

Attorney Collections

Brown & Joseph’s effective accounts receivable management process will quickly identify premiums and/or claims debts that require more escalated efforts. Those accounts that may not be resolved through our primary or front-line collection efforts may respond once a law firm is involved. Accounts that are recovered through our in-house attorney are priced at the same contingency rate as our front line agency efforts, providing clients with the benefits of legal impact without the legal costs.


Our knowledgeable attorney group at Leviton Law Firm will make it clear to the debtor company that this is their last opportunity to resolve this matter before our final recommendations to our client which may including litigation. We litigate less than 1% of all accounts, which is a fraction of what other collection firms litigate.

Bankruptcy Services

Brown & Joseph’s bankruptcy services combine the strength of our internal resources to offer clients a full scope of critical bankruptcy handling services. Unlike conventional collection firms, we can handle all of the paperwork and responses to motions for bankruptcy cases. Our internal group of expert bankruptcy professionals can offer experienced assistance in handling preference demands, estates, vendor status, reclamation or represent you on a creditor’s committee.

Proprietary Insurance Resource Libraries

Brown & Joseph is the only known collection agency that maintains continually updated libraries of NCCI/SCOPES, ISO/PAAS, underwriting and claims manuals and State Bureau and Department of Insurance directories. In addition to increasing recovery, clients experience a notable reduction in their own accounting, underwriting, auditing, policy management and claims administration.

BrokerQuickCollect (BQC)

Assisting our agent/broker and MGA/MGU clients, we developed BrokerQuickCollect (BQC), which is a unique program minimizing commissions being forfeited on policies they would otherwise turn-back to carriers.

Collector Scripts

Our forensic policy provision collection experts have identified data within respective ACORD applications, ISO policy language, NCCI and Bureau provisions that have been incorporated into a proprietary collector talk-off. How we strategically integrate this data into collector dialogues when communicating with insurance debtors results in greater and faster voluntary resolutions.

Ready to start collecting more money?
Contact us today!