Credit Card & Revolving Credit Collections
Precision Recovery for High-Velocity Portfolios
As of April 2025, U.S. credit card balances surpassed $1.29 trillion, with over 11% of accounts 90+ days delinquent, marking the steepest delinquency spike in over a decade.
Charge-off rates continue to rise, often exceeding 4.2% across unsecured revolving credit portfolios.
Restitution Mediations (RMED) provides aggressive, compliance-driven collections tailored for revolving credit portfolios where volume is high and payment behavior is volatile. Our systems prioritize recovery by statistical yield, not guesswork—so your team doesn’t waste time, and your ledger doesn’t bleed.
Our Edge in Credit Recovery
✓ Scalable, system-driven recovery for portfolios with thousands of active or charged-off accounts
✓ Intelligent contact modeling via DebtArX™, our proprietary analytics engine
✓ Fully compliant with FCRA, FDCPA, Reg Z, UDAAP, and consumer disclosure laws
✓ Customizable workflows for pre-charge-off, post-charge-off, and tiered aging cycles
✓ High-frequency dialing, targeted letter series, and strategic litigation referral where warranted
✓ Built for velocity, segmentation, and measurable performance
Enforce the Obligation. Accelerate the Return.
Revolving credit portfolios demand strategic, high-pressure collection—not courtesy calls. With Restitution Mediations, your organization gains a collection partner built to navigate complexity, deliver volume recovery, and extract value from every unpaid obligation.
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