Second placement isn't a fresh account. It's a damaged one.

When an account comes to us as a second placement—already worked by another agency—the debtor has been trained. They've learned that your invoices don't escalate, that the last agency gave up, and that "we're reviewing it" works indefinitely. The account isn't fresh. It's a conditioned account with a payment history.

That's not pessimism. It's the starting point—and it's why we charge 40% instead of 25% for second placements. The extra points aren't a penalty. They're the honest price of the extra work.

What the first agency taught your debtor

Every unanswered demand letter is a lesson. Every dropped follow-up is a data point. By the time the account reaches us, the debtor knows: the previous agency sent three letters, made seven calls, and went quiet. They also know you placed the account somewhere—and that the somewhere gave up. The single most valuable thing a second agency can do is prove the pattern is over.

Where we start

• Find what the first shop missed. Wrong entity, wrong contact, wrong leverage—the account usually failed for a discoverable reason. We look for the reason before we look for the money.
• Re-establish the file. We want the same documents we ask every client for—order form, usage, promises—because the first agency's failure is often the client's file failure wearing an agency's logo.
• Change the conversation. The debtor's playbook is calibrated to the last agency's script. A new approach—different contact, different evidence, different ask—resets the game.
• Price the damage honestly. 40% on a second placement, no recovery, no fee. If we can't collect, you owe nothing—and the 40% only exists because the account needs more than the standard play.

Why it's still worth it

A second placement account is still a receivable, and a damaged one beats a written-off one. The math is simple: 60% of a collected $50,000 is worth more than 100% of a $50,000 write-off. And because the debtor has already survived one agency, the ones who do pay often pay fast—the account has been aged, argued, and exhausted; there's nothing left to stall with.

The short version

Second placements are the accounts everyone else gave up on—and the account that's been trained to ignore collectors is the account a collector who finds the real leverage can still move. Send us the file, the history, and what the first agency did. We'll tell you honestly whether it's worth the 40%—and if it is, no recovery, no fee.