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Our Process—Customized. Complete. Better.

At CCB, we believe that in most cases, your customers want to pay their outstanding balances. Generally, the reason that your customers aren’t paying is that they are experiencing cash flow difficulties.

That’s why we take a consultative approach to collection. Our collections experts are able to identify the primary reasons why a balance has not been paid and offer solutions. Through strategic partnerships with third-party vendors, we’re able to provided need-based solutions that prioritize you while also providing your defaulting customers with the help they need.

This positive, collaborative approach has allowed us to collect on over 88% of in-business accounts without alienating our clients’ customer bases.

Stages of Collection

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At CCB, we work closely with you throughout each stage of collection to ensure that you understand the process and are comfortable with each individual step. Our collection experts are available any time if you have questions.

The graphic on the right illustrates the way that our process works to ensure that you get paid.

Stage 1: Attempt In-House Collection

You’ll begin the process by making one final attempt to collect in-house.

You may use our Final Notice document to alert your client to the fact that their payment is past due. This document also informs them that if they fail to respond immediately, you’ll authorize CCB to start collection activity immediately.

Stage 2: Introduce Internal Rapid Recovery (IRR) Program

You may choose to initiate CCB’s pre-collection letter program, Internal Rapid Recovery (IRR), for past-due accounts. This program lets your customers know that the matter has escalated and that they need to submit payment immediately, or contact you to make further arrangements

If you choose to use the IRR program, you’ll pay only the corresponding account flat fee. Learn more about those rates here.

Stage 3: Place Certain Amounts for Full Collection

You may choose to forgo the IRR program entirely and move from Stage 1 to Stage 3 – placing certain accounts for full collection right away. Or, you may place accounts that completed the IRR program but didn’t respond or pay in full.

During this stage, CCB’s expert collectors will attempt to collect the balance on a contingent fee basis as quickly as possible. Upon successful recovery, you’ll pay only the corresponding contingency fee on monies collected, which you can see here.

Stage 4: Discuss the Possibility of Working with a Collection Attorney

If CCB is unable to recover the balance voluntarily, and if the case warrants it, we’ll discuss the pros and cons of having a collection attorney in our network pursue the claim. We’ll guide you through this option, and you’ll decide whether it’s something you’d like to pursue. If you choose to pursue this option, you’ll pay on a contingent fee basis.

Stage 5: Collection Attorney Attempts to Recovery Balance Voluntarily

If you’ve decided to work with a collection attorney, he or she will begin by attempting to recover the balanced owed voluntarily. If he or she is successful, you’ll pay only the corresponding contingency fee on any monies recovered.

If the attorney is unable to recover the balance voluntarily, he or she will advise both you and CCB on whether litigation is a viable option. We’ll also discuss the associated costs. You’ll decide at this point whether you’d like to move forward with pursuing a lawsuit or not.

Stage 6: File a Lawsuit

If you decide to pursue litigation, the collection attorney will pursue the balance through a lawsuit. For additional information on what this process entails, see the PDF titled Legal Process for CCB Collection Accounts in our Resource Center.

Our Rates

At CCB, our goal is to recover your funds quickly and affordably. We offer the best rates in the industry, and our process enables you to get paid first!

Contact us today to schedule your free consultation. 651-340-0730

Contact Us

Commercial Collection Bureau
149 Thompson Ave E.
Suite #214
West Saint Paul, MN 55118
P: 651-340-0730
F: 651-305-4015

License # CA-20581061


I hear folks say, “You can’t get blood out of a turnip,” and then I ask them, “Have you met the collection professionals at CCB?” I’m impressed with CCB’s ability to recover accounts that most would deem uncollectible. They are fair, but firm and have a knack for getting to the root of problems. CCB is exceptionally successful at collecting past due corporate accounts. You won’t find a more trustworthy and effective agency to handle your B2B collection needs. Unequivocally I recommend CCB.

Gregg KDirector at Digital Media Firm

CCB collects where others fail.

Jeff PCredit Manager at Construction Supply Firm

CCB is the best collection agency I’ve hired. Their results are superb, their rates are fair, and they communicate well with us and our customers.

Elaine AOperations Manager at Software Firm

Believe it or not, before my firm was a CCB client, we were placed in collections at CCB by one of our vendors. Long story short, the debt belonged to an entity that had gone out of business due to a fire, but the fact CCB did their due diligence and figured out the relationship between the out of business entity and the holding company told me these guys really know what they’re doing. Since then, we’ve placed plenty of business with CCB and I know if they can’t collect it, nobody can!

Chris BRecycling Firm