National credit recovery norms are
- 17-19% for large agencies
- 18-20% for mid-size agencies
- 26% for small agencies
Recovery rates depend on the age and dollar value of the account.

No collection, no fee - you don't pay anything until we've secured payment on your delinquent accounts. Court costs are paid up-front by FJM
- 33% - accounts under 6 months
- 40% - accounts over 6 months
- 50% - legal
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