At Vanguard, we understand the challenges that businesses face when trying to recover outstanding debts. Whether you’re a small business owner overwhelmed by overdue invoices or a large organization managing numerous accounts receivables, our comprehensive collection services are designed to meet your specific needs. With over 65 years of experience, Vanguard has built a reputation for delivering results while maintaining respectful and professional relationships with your customers.

Our mission is simple: to improve your cash flow by efficiently and effectively recovering your overdue accounts. Unlike many collection agencies, we pride ourselves on offering personalized service, no upfront fees, and a results-driven approach. We know that debt recovery is more than just a transaction—it’s about reclaiming what’s rightfully yours while preserving the integrity of your client relationships.

Don’t Write Off Debt Too Soon: Recover What’s Rightfully Yours

Before considering writing off any debt as a loss, it’s important to remember that it’s not the end of the road. A debt that has been written off can still be collected, and that’s where Vanguard’s expertise can make all the difference. Writing off unpaid accounts prematurely might feel like closing a frustrating chapter, but in reality, you’re leaving potential revenue on the table.

Additionally, just because a debt is being written off doesn’t mean it can’t be reported to credit bureaus like Equifax and TransUnion. Reporting these accounts, even if they seem uncollectible, can provide a layer of protection, particularly when dealing with individual debtors. This step ensures that unpaid debts still impact the debtor’s credit profile, offering a form of accountability and potentially aiding future recovery efforts. (Of course, this doesn’t apply to cases where the debtor is insolvent or bankrupt.)

At Vanguard, we specialize in recovering debts that others may deem uncollectible. Our experienced team uses proven strategies, including skip tracing and asset investigations, to track down debtors and recover what’s owed to you. Even after a debt has been written off, we can work with you to reverse the write-off and restore those funds back to your bottom line. By partnering with us, you turn potential losses into gains, ensuring that every avenue for recovery is fully explored.

Our Core Services

Debt Collection for Businesses of All Sizes Whether you’re managing a small business or a large corporation, uncollected debts can significantly impact your cash flow. At Vanguard, we specialize in recovering commercial debts across various industries, ensuring you get paid while focusing on what matters most—running your business.

• Accounts Receivable Support: We provide expert support for your accounts receivables department, offering everything from standard debt recovery to more complex solutions for long-overdue accounts.

• Commercial Debt Collection: From retail to real estate, we tailor our commercial debt recovery strategies to meet your specific needs, helping you recover what’s owed efficiently and professionally.

No Collection, No Fee

We believe in providing value without added risk. Vanguard operates on a contingency basis, which means you don’t pay unless we successfully recover the debt. There are no sign-up fees, no account placement fees, and no long-term contracts—just effective debt recovery services when you need them.

Industry-Specific Collection Solutions

We understand that each industry faces unique challenges when it comes to debt recovery. That’s why our services are customized to fit the specific needs of your sector:

• NSF Cheque Recovery: Don’t let bounced cheques harm your cash flow. Our specialized services ensure that you recover funds from NSF checks promptly and efficiently.

• Medical Bill Collections: Medical practices often face outstanding patient payments. Vanguard handles medical debt recovery with care, ensuring sensitivity while maximizing recoveries.

• Daycare Fee Recovery: Childcare providers can count on us to manage unpaid fees without straining relationships with families.

• Landlord Rent Arrears: Whether it’s residential or commercial rent, we help landlords recover overdue payments while maintaining respectful tenant relationships.

• Insurance Premium Recovery: Our expertise extends to recovering unpaid insurance premiums, ensuring your business remains financially stable.

• Educational Institutions: Schools, colleges, and universities can rely on us to recover unpaid tuition and other fees while preserving the reputation of their institution.

Advanced Private Investigative Services for Enhanced Debt Recovery

Vanguard offers private investigative services as part of our collection process. We understand that some debtors are more elusive, and our investigative tools help uncover hidden assets and track down hard-to-find debtors.

• Skip Tracing: Utilizing cutting-edge techniques, we locate debtors who have disappeared or changed addresses without a trace.

• Asset Investigations: We dig deep to find hidden assets, ensuring that every possible resource is identified for debt recovery.

• Debtor Surveillance: Our surveillance and intelligence-gathering techniques provide valuable insight into a debtor’s financial situation and lifestyle, allowing for more strategic collection efforts.

• Debtor Lifestyle Analysis: By understanding a debtor’s spending habits and financial commitments, we are better equipped to resolve unpaid debts.

Professional Skip Tracing & Credit Reporting

Even the most elusive debtors can be found with our skip tracing services. Vanguard’s experienced team leverages advanced technology to locate debtors and ensure that no account is left unresolved. Additionally, we report delinquent accounts to Equifax and TransUnion, providing extra motivation for debtors to settle their accounts before it impacts their credit.

Legal Services & Judgment Enforcement

When legal action is necessary, Vanguard is by your side every step of the way. Our supervisors review every account to assess the need for litigation. Should your account require legal intervention, we will forward it to one of our trusted attorneys, and we’ll only pursue legal action with your explicit consent. Once judgments are secured, our team ensures full enforcement, helping you recover what is legally yours.

Why Outsource Your Debt Recovery to Vanguard?

• Save Time and Resources: Managing overdue accounts internally can be overwhelming and distracting for your team. With Vanguard, you hand over your unpaid invoices, and we take care of the rest.

• Risk-Free Partnership: There’s no risk to you—if we don’t collect, you don’t pay. It’s that simple.

• Expertise in Debt Recovery: Our team specializes in handling debt collections with professionalism and tact, ensuring that your business maintains its good reputation while recovering what’s owed.

• Personalized Service: We know every business is unique. That’s why we offer customized collection strategies to align with your specific goals and needs.

Get Started with Vanguard Today

If you’ve been writing off debts as a loss, there’s a better way. By partnering with Vanguard, you can recover what’s owed without the hassle and uncertainty of going it alone. Whether you’re dealing with overdue invoices, unpaid rent, or outstanding loans, Vanguard is here to help.

Contact us today to learn more about how our collection agency services can improve your cash flow and recover your overdue accounts. Let us take the stress of debt recovery off your plate, so you can focus on growing your business.