Dedicated carrier portal
Log in anytime to see every account: contacted, paid, disputed, escalated — with timestamps and a full communication history for each record.
For Insurance Carriers
CollFin Receivables LLC — your licensed collection partner.
Insurance carriers forward us unpaid balances — deductibles, co-pays, overpayments, or any insurance-originated receivable. We handle outreach, disputes, and payments, then remit net proceeds back with a full audit trail. Contingency only to start; no risk until we recover.
What you get as a carrier client
From the moment you send your first batch, every step runs on the same platform that powers CollFin's own operations.
Real-time recovery tracking
Watch payments post as they happen. No waiting for a monthly mystery report — you see the same data our operations team sees.
Multi-channel outreach
Email, SMS, letter, and voice — sequenced automatically per consumer preference and FDCPA/Reg F rules. Opt-outs and disputes honored instantly.
Card, ACH & payment plans
Consumers pay through a clean self-service portal. Card and ACH are accepted; installment plans can be offered on larger balances.
Clean monthly remittance
Net proceeds wired on a fixed monthly schedule with a statement that itemizes every collected account, fee, and adjustment.
Tamper-evident audit trail
Every contact attempt, consumer response, payment, and dispute is logged in a hash-chained audit record — exportable on demand for compliance or litigation.
How account placement works
From batch received to first remittance in five steps — no six-week onboarding or custom integrations required.
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1
Send your batch
Drop a CSV, configure an SFTP delivery, or POST via API. We accept common claim formats and map your fields on the first upload.
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2
We validate & enrich
Each record is checked for completeness, deduped against active accounts, and enriched. Cases are built and queued same day.
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3
Outreach begins
Validation notices go out first, then a multi-channel dunning sequence — within FDCPA and Reg F constraints — until the account resolves or escalates.
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4
You watch it live
Your carrier portal shows every account in real time. Drill into any record to see the full communication and payment history.
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5
We remit monthly
Net proceeds are wired to your designated account on a fixed schedule with a full itemized statement. Nothing to reconcile on your end.
Contingency pricing — you pay nothing until we collect
Our fee is a percentage of what we recover. Exact rates depend on debt age, balance size, and mix. The older the debt, the higher the contingency — that's standard across the industry.
Debt Age
Contingency Rate
Notes
0 – 6 months
Contact us
Fresh — highest recovery likelihood
7 – 12 months
Contact us
Early stage — strong outreach response
13 – 24 months
Contact us
Mid-stage — multi-channel escalation
25+ months
Contact us
Aged — skip-trace & persistence required
All rates are net of collections — we deduct our fee before remittance. No platform fee during the pilot period. Send us your book details and we'll quote specific rates.
Compliance you can rely on
Collections goes wrong when compliance is an afterthought. At CollFin, it's enforced at the software level.
FDCPA & Regulation F
Validation notices sent within the required window. The 7-in-7 call cap enforced automatically. Opt-outs propagated instantly across all channels. No manual checklists.
Cease-and-desist handling
C&D requests received via phone, email, or written letter are captured and lock the account from further outreach — within seconds, not business days.
Dispute process
Disputes trigger a 30-day hold on collection activity, a verification workflow, and a written response — all logged against the account with timestamps.
Per-carrier audit export
Every action on every account in your book is available in a signed, hash-chained export — ready for state examiners, litigation support, or your internal audit.
Common questions from carriers
What types of accounts does CollFin collect?
We specialize in insurance-originated receivables: deductibles, copayments, coinsurance, overpayments, and subrogation balances. Both individual and commercial payer accounts.
Is CollFin licensed to collect in my state?
CollFin is a Texas-organized LLC and we are actively establishing the collection agency licensure required in each jurisdiction. Contact us to discuss your specific state mix.
How is consumer data handled?
Data is processed solely for the purpose of recovering your receivables. It is not shared with other carriers, not used for marketing, and is handled under our data processing agreement. Your consumer data stays yours.
How long does onboarding take?
If you can send a file, you can be live same day. We'll map your fields on the first upload and configure your carrier portal before the batch finishes processing.
Do you offer payment plans to consumers?
Yes. For balances above a threshold (configurable by carrier), we can offer installment plans. The consumer pays through our secure portal; payments flow through to your remittance statement as they clear.
Let's talk about your book.
Send us your aged balance mix and we'll quote specific contingency rates — no commitment required.
Start the conversation