About Restitution Mediations
Founded with a singular mission to enforce financial obligations and restore balance to business operations, Restitution Mediations (RMED) is a results-driven leader in accounts receivable management, debt recovery, and strategic resolution services. We serve businesses across a wide range of industries—from legal, financial, and automotive to property management and retail—providing structured, compliant, and scalable solutions that improve cash flow and reduce internal strain. Our team is composed of recovery specialists, legal strategists, and operational experts who bring decades of experience to every client engagement. At RMED, we recognize that maintaining professional relationships is essential, but so is asserting the right to be paid. Our approach strikes the balance—preserving brand integrity while delivering high-performance recovery through lawful, intelligent enforcement. Whether you're managing one account or an entire portfolio, RMED is your trusted partner for reliable, accountable, and effective debt resolution
COMPLIANCE AND REGULATORY INTEGRITY
Protecting Your Brand Through Proactive Governance
At Restitution Mediations, compliance isn’t a department—it’s a foundational principle. In today’s regulatory environment, where laws evolve rapidly and cybersecurity threats are ever-present, your receivables partner must meet the highest standards of legal and operational discipline. We do exactly that.
Our compliance framework is designed to protect your organization by protecting your customers—ensuring every interaction, recovery effort, and data exchange is conducted lawfully, ethically, and securely.
A Culture of Compliance at Every Level
Compliance begins at the top and is woven into every facet of our operations—from employee onboarding and technology protocols to account strategies and client reporting.
We continuously invest in our systems, people, and controls to safeguard your business against:
- Regulatory violations
- Reputational harm from mishandled accounts
- Cybersecurity risks and data breaches
Our internal compliance culture reduces client exposure and supports long-term recovery success while ensuring consumers are treated with fairness and dignity.
Our Compliance Management System (CMS)
Restitution Mediations utilizes a proprietary Compliance Management System (CMS) that includes layered controls, automated policy enforcement, and constant auditing.
Key Capabilities:
Automated compliance logic to apply recovery strategies in line with federal, state, and local laws
Policy-driven workflows that adapt to each jurisdiction’s rules and client requirements
Ongoing updates to reflect new guidance from the CFPB, Federal Reserve, and state regulators
An industry-low complaint rate that helps protect your customer relationships and your bottom line
Our CMS is not static—it evolves to meet the highest standards in consumer protection, cybersecurity, and operational integrity.
Best-In-Class Compliance Framework
Our CMS is structured around four core pillars, each overseen by a dedicated governance team and supported by executive leadership:
1. Regulatory Compliance Program
- Proactively prevents violations
- Minimizes litigation risk
- Protects both your business and the consumer
2. Call Quality Monitoring
- All calls are recorded, reviewed, and scored for compliance and tone
- Supervisors conduct routine coaching and remediation
- Ensures respectful and lawful consumer interaction at every stage
3. Consumer Complaint Management
- Complaints are documented, investigated, and analyzed
- Root-cause analysis informs policy and training improvements
- Corrective action is taken where necessary to maintain transparency and trust
4. Internal & External Compliance Audits
- Independent audits assess alignment with consumer protection laws
- Reviews also include internal policies and client-specific requirements
- Drives continual improvement and accountability
The Outcome: Protection You Can Count On
When you work with Restitution Mediations, you’re not just outsourcing collections—you’re partnering with a team that mitigates legal exposure, defends your brand, and delivers recovery with Results Without Risk.
DebtArX™: Proprietary Analytics That Drive Recovery
Harnessing Intelligent Data to Recover What You're Owed—Faster
In today’s digital recovery landscape, data isn’t optional—it’s essential. DebtArX™, our proprietary predictive analytics engine, empowers Restitution Mediations to outperform traditional debt collection methods by targeting accounts with the highest probability of payment—not just the highest balance.
Using advanced modeling, real-time scoring, and behavioral insights, DebtArX™ helps us recover more, waste less time, and boost your cash flow with fewer risks and fewer delays.
Why Predictive Analytics Matters in Collections
For decades, many agencies focused on chasing high-balance accounts under the assumption they’d yield the greatest returns. But industry data proves otherwise: propensity to pay is a better predictor of revenue than balance alone.
That’s where DebtArX™ changes the game. Using thousands of data points—ranging from consumer behavior, historical payment patterns, credit triggers, contact history, and more—DebtArX™ prioritizes which accounts to pursue, when to pursue them, and how to approach recovery.
How DebtArX™ Works
- Built on advanced SAS-based statistical models, DebtArX™:
- Dynamically scores accounts daily using fresh inbound and outbound data
- Prioritizes accounts based on liquidation probability and contact responsiveness
- Adjusts strategy at the account and phone number level
- Informs our collectors which accounts to focus on and when
- Helps protect compliance by avoiding over-contacting consumers who lack the means to pay
Proven Impact: Real Results for Real Businesses
Since integrating DebtArX™ into our recovery operations, clients have experienced an average 22% increase in recoveries—with faster resolution cycles and fewer wasted touches.
What You Gain with DebtArX™:
- Higher recovery rates in less time
- Enhanced cash flow without increasing workload
- Reduced operational costs through smarter targeting
- Fewer compliance risks through strategic contact prioritization
- More conversions, fewer disputes
Work Smarter. Collect Faster. Keep Control.
DebtArX™ gives us the intelligence to pursue accounts that are statistically ready to resolve—so you get paid sooner, while keeping your consumer relationships and reputation intact.
When you partner with Restitution Mediations, you're not just outsourcing collections—you're plugging into data-driven enforcement that delivers.
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