Collections
Performance Engine

Transforming collections law firms into higher-yield, more efficient, and more intelligent recovery operations.

Powered by Advisorlytics®
Filing
When & what to file
Yield
Recovery per dollar deployed
Cost
Efficiency across the lifecycle
The Problem

Most firms are leaving margin on the table.

01

Filing Without Scoring

Time-based suit decisions waste capital on low-probability accounts. No predictive model means no visibility into which cases will actually convert to judgment.

02

Opaque Economics

Recovery yield, cost-to-collect, and breakeven are tracked in aggregate — not by state, debt type, score band, or seller. Margin compression goes undetected until it's too late.

03

Call Center Leakage

Every account settled pre-suit avoids court costs entirely. But without AI-driven scripting, intelligent skip tracing, or automated workflow routing, that channel underperforms — and costs more than it should.

What if 20% of your accounts are generating 70% of your recovery — and you don't know which 20%?
Insight

Without segment-level visibility, every account gets the same treatment. Top-quartile firms score, segment, and prioritize. The rest file blind and hope the math works out in aggregate.

Your clients don't just want filings.
They want higher net recovery.

Your clients are asking harder questions: What's my net yield by segment? Which accounts are worth filing on? If you can't answer with data, you're interchangeable with the next firm on their panel.

Firms that bring portfolio-level intelligence back to their clients become strategic partners, not vendor line items. That intelligence creates a switching cost — and it happens to improve your own margins in the process.

The question isn't whether to file aggressively. It's whether you're filing intelligently — and whether you can prove it.
Insight

Firms that can show clients segmented recovery data, filing ROI by account profile, and cost transparency become indispensable. That data is your moat.

Where Margin Lives

Four levers most firms aren't measuring

The gap between average and top-quartile collections performance usually starts here.

Opportunity
🎯

Judgment Conversion Rate

Scoring Gap
Most firms file on a time-based schedule. Score-based suit decisions focus capital on accounts with the highest probability of converting to judgment.
Opportunity
💸

Cost per Filed Case

Filing Waste
Every suit filed on a low-yield account is capital that could have been deployed elsewhere. What percentage of your filings are actually generating positive ROI?
Opportunity
📞

Pre-Suit Settlement Rate

Call Center ROI
AI-enabled scripting, automated workflow routing, and intelligent skip tracing can dramatically improve contact and settlement rates — while reducing the labor required to run the operation.
Opportunity
👥

Labor Cost Efficiency

Outsource Lever
Outsourced labor models can deliver immediate 40–50% cost savings on call center and administrative operations — margin that falls directly to the bottom line.
Every lever compounds. What does a small improvement across all four look like over 12 months?
Insight

Better scoring reduces filing waste. Lower filing waste frees capital for better purchases. Better purchases improve yield. The compounding effect is where the real margin lives — not in any single lever.

The Collections Lifecycle

This is your business. We make it smarter.

You'll recognize every step below. The gold nodes show where the Advisorlytics® engine layers in — hover to see what changes.

🏦
Portfolio Acquisition
Engine Active
Purchasing debt portfolios from creditors, banks, or secondary market sellers.
Advisorlytics® Intervention

Purchase Intelligence: Score historical portfolios retroactively to identify true recovery drivers. Rank sellers and debt types by realized ROI. Establish capital allocation thresholds before purchasing — so you buy smarter, not just more.

📊
Account Scoring & Segmentation
Engine Active
Evaluating accounts by balance, age, debtor profile, and state to determine treatment paths.
Advisorlytics® Intervention

Predictive Scoring: AI-driven models that weight employment, residential stability, bankruptcy history, and balance — identifying the top 30% of accounts generating 70%+ of recovery. Every downstream decision gets sharper.

📞
Pre-Suit Contact Campaign
Engine Active
Outbound calls, letters, and settlement offers to resolve accounts before filing.
Advisorlytics® Intervention

Settlement Optimization: AI-powered scripting, automated workflow routing, dynamic offer logic, and intelligent skip tracing. Every account settled here avoids court costs entirely. Outsourced labor + AI enablement can cut call center costs 40–50% while maintaining or improving contact rates.

⚖️
Decision to File Suit
Engine Active
Determining which non-responsive accounts to escalate to litigation.
Advisorlytics® Intervention

Litigation Suitability Scoring: Not every non-responsive account is worth filing on. AI-driven scoring identifies high-probability accounts, automated routing delays or avoids filing on low-yield accounts, and reallocates filing capital toward cases that actually convert to judgment.

🏛️
Litigation & Judgment
Filing suit, obtaining default judgments or settlements, and managing court processes across jurisdictions. This is your core competency — the engine makes sure the right accounts arrive here.
💰
Recovery & Garnishment
Collecting on judgments through wage garnishment, bank levies, or negotiated payment plans.
📈
Client Reporting & Analytics
Engine Active
Reporting recovery performance back to the creditors and clients who placed accounts with your firm.
Advisorlytics® Intervention

Client Intelligence Layer: Instead of aggregate recovery reports, deliver segmented performance data your clients can't get from any other firm on their panel — recovery by state, debt type, filing ROI, cost transparency. This is how you go from vendor to strategic partner.

🔄
Feedback Loop & Recalibration
Engine Active
Using outcome data to inform the next portfolio purchase, scoring model, and operational decisions.
Advisorlytics® Intervention

Continuous Learning: Actual recovery data feeds back into purchase intelligence and scoring models. Every cycle gets smarter. This is the compounding engine — the gap between you and commodity firms widens with every quarter.

The Operating System

Inputs → Engine → Outcomes

A performance layer that works alongside your existing systems — transforming raw portfolio data into optimized recovery decisions.

Data Inputs
Portfolio & Operations
📋

Portfolio File Data

Balance, age, state, debt type, seller, score band

The foundation of every decision. We ingest your full portfolio tape and normalize it for scoring, segmentation, and trend analysis across vintages.
⚖️

Litigation History

Filing rates, judgment conversion, recovery per case

Historical filing outcomes reveal which account profiles actually convert to judgment — and which ones burn capital. This is where scoring models get calibrated.
📞

Call Center Metrics

Contact rates, settlement offers, promise-to-pay, talk time

Pre-suit settlement is often the highest-leverage, lowest-cost recovery channel. We benchmark contact rates, offer acceptance, and agent effectiveness.
💰

Cost Structure

Court costs, service fees, labor, per-seat agent cost

True cost-to-collect requires visibility into every line item. Most firms track this in aggregate; we break it down by segment to find hidden margin.
🏦

Purchase Economics

Avg purchase price as % of face, by vintage and seller

What you pay per dollar of face value — and how that varies by seller, state, and debt type — directly determines your margin ceiling.

Advisorlytics®

Performance Engine
Portfolio Purchase Intelligence
Pre-Suit Litigation Scoring
AI-Enabled Settlement Optimization
Automated Workflow & Execution Analytics
Recovery Forecasting
Labor Outsourcing & Cost Reduction
Outputs
Optimized Outcomes
📈

Gross Recovery Yield

Collected vs. face value — tracked by segment

The top-line measure of collection effectiveness. Broken down by state, debt type, seller, and score band so you can see exactly where yield is strongest.
🎯

Net Recovery Yield

Net collections ÷ total investment, by cohort

The metric that matters most — what you actually keep after all costs. Tracked by portfolio vintage to compare performance across purchase cycles.

Cost to Collect

Total cost as % of amount collected

Includes labor, court costs, service fees, and overhead. Outsourced labor models can drive immediate 40–50% cost savings that fall directly to the bottom line.
🏛️

Legal Lift

Post-legal yield minus pre-legal yield

Measures the incremental return from filing suit. If legal lift is thin on certain segments, those accounts may be better served through settlement channels.
⏱️

Breakeven Velocity

Time to breakeven per portfolio vintage

How quickly each vintage pays for itself. Faster breakeven means faster reinvestment — velocity compounds over every portfolio cycle.
How We Deploy

From audit to live in 90 days

PHASE 01

Portfolio Diagnostic

Deep dive into historical recovery data, filing patterns, and cost structures. Identify the 20% of levers driving 80% of margin.

PHASE 02

Score & Model Build

Predictive litigation scoring, purchase intelligence, and settlement optimization — calibrated to your specific book.

PHASE 03

Ops Integration

Connect the engine to your existing workflows and data sources. Champion-challenger testing, automated routing, real-time decisioning.

PHASE 04

Measure & Compound

Track recovery by cohort, recalibrate models quarterly, and compound gains across every portfolio cycle.

Curious if there's
untapped margin in your operation?

We start with a conversation — not a pitch. If there's a fit, we'll walk through your lifecycle together and identify where the biggest opportunities are.

Start a Conversation →