Odd Recovery pairs an automated collections engine with real attorney review. Every bounce detected the day it happens; every UCC filed in the right state; every notice reviewed by counsel before it goes out.
ACH returns from your processor feed the engine daily — R01s become recovery files, not surprises.
Nothing is filed or mailed until a licensed attorney reviews and authorizes it. No robo-signing.
We verify priority before receivables notices — the step most collectors skip, and the one that creates liability.
You place the file (or connect your processor feed). The engine does the paralegal legwork. Counsel makes the calls. You watch it all from your portal.
Daily ACH-return ingestion (API or NACHA files) matches every bounce to its advance and flags defaults instantly. Merchants get a same-day servicing notice.
UCC search in the debtor's state of organization, lien-priority check, and auto-drafted demand, UCC-1, and — only when senior — account-debtor notices.
A licensed attorney reviews the complete file and authorizes each legal step with one click. Every approval is logged.
Certified demand letters, UCC filings, arbitration or suit, then post-judgment enforcement — restraints, levies, turnover — where the law allows.
We take files at any stage — including accounts still paying but heading the wrong way. The earlier a file arrives, the more options are still open.
Pre-charge-off through post-judgment. Place an account while it's still performing but deteriorating — early contact and a workout recover far more than a demand letter ninety days later.
Certified demand packages, UCC-1 filings in the debtor's state of organization, and § 9-406 receivables notices — the last only where the lien position actually supports them.
Complaints, default judgments, motions and discovery through supervising counsel — then restraints, levies and turnover, with the file already assembled litigation-ready.
Judgment domestication and coordinated enforcement across states. A judgment entered in one state reaches assets in another only once it's domesticated there.
Skip tracing, court-record and lien searches, and business-credit review — the work that decides whether a restraint or levy lands on anything. We also map competing MCA liens before acting.
Restructured schedules, forbearance and negotiated settlements — signed electronically and tracked payment by payment — plus collateral recovery where the contract supports it.
You pay a share of what we actually collect, and the rate follows how much work the dollar took to get back. Nothing is owed on a file we don't recover on.
Recovered by demand, UCC notice, workout or settlement before the file goes to counsel.
Recovered after the file is placed with outside counsel or suit is filed.
Recovered after judgment — levies, restraints, turnover, and domesticated enforcement in other states.
Placing one file takes two minutes. Connecting a whole book takes a few days, most of which is us reading your paper rather than you filling anything in.
Each funder gets a dedicated portal: place files in minutes, watch lien verification and attorney review progress, see what's been recovered and what's next. No spreadsheets, no waiting for a weekly email.
Twenty minutes, screen shared, no deck. We walk one real defaulted file from bounce to enforcement, show you exactly where counsel signs off, and you see the portal you'd be watching it from. If it's a fit, you place one file. No contract to start, no minimum.
Recoveries land in a segregated client-funds account, not our operating account. You get a monthly statement per account showing gross recovered, our fee, any costs reimbursed, and the net credited to you — and what's still held versus what's been remitted.
Recall it any time. If nothing has been filed, there's nothing owed. If costs were advanced on it, those are reimbursed; if a recovery already came in, the fee on that recovery stands. No exit fee and no minimum term.
Commercial collection licensing and bonding vary by state, and we only take files in states where we're permitted to work them. Tell us where your book sits and we'll confirm coverage before you place anything.
All automated outreach on that file freezes immediately and it goes to counsel for review. We don't collect through a dispute — that's how funders end up on the wrong end of a UDAP claim.
No pre-judgment account freezes. No § 9-406 receivables notices without a verified senior lien. No filings in a state until counsel has confirmed that state's procedure. No consumer collections — this is commercial paper only.
Three required fields. We reply within one business day — and if you're placing a file, we come back with the lien picture and a recovery plan before you commit to anything.