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Best of Both Worlds: XcelRev – Attorney Owned & Managed

If you are owed a debt that you have been unable to collect, you can do one of  two things – hire a collection agency or retain a collection law firm to collect it for you. There are significant differences between most collection agencies and collection law firms. Level of service, fee structure and impact on the debtor, to name a few. 

Most collection agencies are comprised of non-lawyers who make phone calls and write letters on your behalf. They contact the debtors in random fashion, usually using auto dialers that present collectors with debts they know nothing about other than name, amount owed, creditor, etc. The collectors inform them of their delinquent obligations, and try to convince them to pay what is owed. But all they can do is request the debtor to voluntarily pay the debt.

Collection agencies typically handle a very high volume of cases for clients that have hundreds or thousands of overdue accounts. These agencies charge a lower contingency fee than a law firm does because there is far less cost for them to make calls and send letters than there is for a collection law firm to litigate or enforce judgments.

A collection law firm, on the other hand, will also make phone calls and write letters, but, in addition, they will actually sue debtors and obtain judgements. Once a judgment is obtained, the collection law firm will enforce it by garnishing salaries, seizing bank accounts, and liquidating any of the debtor’s other assets.  Another benefit of retaining a collection law firm is that the calls they make and the letters they write are far more intimidating than those of a collection agency since they state that if payment is not received by a certain date, a lawsuit will be commenced. Accordingly, if the accounts in question are likely to be paid by just a little “prodding,” a collection agency may be more cost efficient. However, if the debtors have ignored the calls and letters that demand payment, a collection law firm will enable you to obtain and enforce a judgement; and their calls and letters will be taken more seriously as a result.  But again, their fees are very high. 

XcelRev was formed to change all that.  We are attorney owned & managed, but operate as a collection agency, including lower than market contingent fees. Our modern, friendly communications result in above-market connection and resolution rates, our intentional system makes our collectors, who are assigned exclusively to your account, experts in your debt and our commitment to total transparency and compliance ensure you see everything we  do.  But, our impact on those debtors who won’t pay is the same as a law firm. Our attorney demand letter on our in-house law firm letterhead gets results. And we can procure judgments, enforce by wage and asset garnishment and use all legal means to recover your money. The best of both worlds!

Contact XcelRev at (866) 329-9115 or go to to learn more. 



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