Action Recovery Online

Action Recovery Online works with creditor businesses such as dental, medical, funeral and auto firms to recover overdue receivables. Its process begins with a documented three-letter series sent on agency letterhead, described as Pre-Collect, where the creditor keeps everything recovered for a flat, volume-tiered fee. Accounts that remain unpaid after the letters can move to further stages: a contingency-based Full Recovery option, a straight contingency option for aged or cold accounts, and a legal administrative stage for suit-worthy accounts, where attorney fees are taken from the firm's share.

Escalation between stages only happens once a stage ends unresolved, and the creditor is notified of specific accounts before they move on, with litigation requiring the creditor's written authorisation. Suit-worthy accounts can be forwarded to collection-specialist attorneys through the firm's membership of the American Lawyers Quarterly Network. Action Recovery states it has been recovering receivables for creditors for more than sixteen years.