Home/Commercial Collections
B2B Accounts · Tampa Bay & FloridaCommercial Collections for a Town That Works Storm Season
Tampa Bay’s B2B economy runs in surges — the post-storm rebuild, the winter tourist crush, the port never sleeping — and receivables surge right along with it. When the season ends and the invoices haven’t, we collect: business debt of every kind, on contingency, with the pressure calibrated to whether your debtor is slow, drifting, or gone.
No recovery, no fee — results vary by accountThe receivables we see most in Tampa Bay
| Creditor | Typical unpaid balance | The usual story |
|---|---|---|
| Roofing & storm contractors | Completed repairs, supplements, retainage | Insurance-funded jobs where the check came and went sideways |
| Subcontractors & trades | Progress billings, change orders | Paid-when-paid stalls rolling down the chain |
| Hospitality vendors | Food, beverage, linen, equipment, services | Season ends; the venue’s cash does too |
| Staffing & professional services | Placements, hours billed, retainers | Payroll fronted weekly; client pays in 90 — or doesn’t |
| Freight, port & distribution | Shipping, storage, wholesale trade credit | Volume relationships that quietly stopped paying |
Diagnosis before pressure
The most expensive mistake in commercial collections is treating every debtor the same. A slow-paying customer who still orders from you deserves firm pressure that preserves the relationship; a company drifting toward closure needs immediate escalation before the assets and the principals scatter; a true no-pay needs the full sequence — skip tracing, principal-level demands, and a litigation recommendation with the economics laid out before anyone spends money. The free review’s first job is telling you which of the three you’re holding, because everything downstream depends on it.The Florida clock, briefly: written contracts generally carry five years and open accounts four (Fla. Stat. §95.11) — but the forecast cone is the honest picture: certainty is narrow in the first 90 days and mostly gone long before the statute runs. Not legal advice; just the weather.
What working with us looks like
- Free review. Debtor, balance, age, paperwork. Honest grade — including “don’t bother” when true — and a contingency quote before you commit.
- Demand sequence. Written and phone demands that reach ownership and accounting rather than the inbox that’s been ignoring you, on deadlines, documented.
- Escalation as earned. Skip tracing on the vanished, negotiated resolutions on the stuck, attorney-backed pressure and a suit recommendation on balances that justify it — only with your authorization.
- Remittance. Recovered funds per agreement, status reporting in plain English between.
Aging reports and portfolios
The drawer of written-off invoices is worth a look at least once a year — ideally before year-end write-offs, not after. Send the whole report: it comes back graded in tiers with a quote per tier and an honest count of the files that are done. No charge for the grading, and no hard feelings about the dead ones.Commercial FAQs
Our contracts have personal guarantees. Does that matter?
It’s often the difference between recovering and writing off — a guarantee survives the entity’s dissolution, which is the most common way B2B debt dies in Florida. Flag it in your review; it changes both the grade and the strategy.
The debtor is out of state. Can you still collect?
Yes. The creditor is the Florida client; the debtor can be anywhere, and out-of-state accounts route through the appropriate channels — including licensed partners where a jurisdiction requires one.
Collections or my business attorney first?
Usually collections first: it’s the cost-efficient engine for most balances, and it’s contingency rather than hourly. Litigation earns its place on large, well-papered claims — and when yours is one, we’ll say so in the free review instead of running the meter first.