We work both sides of the same problem. If someone owes you, we recover it. If you're the one who owes, we'll find you a way out that actually ends — including turning the obligation into an asset you repay on your own terms.
Applying is free and takes a few minutes. No payment is taken online.
Every application gets a reference number and a QVTX ByteID, so you can check where it stands at any time.
A judgment doesn't go away on its own, and ignoring it is the most expensive option there is. Tell us your situation and we'll lay out what's actually available.
Free to apply. Nothing is charged online.
Place an account, a judgment, or an authorized amount with us. We validate it, locate the debtor, and pursue it — through the courts where that's what it takes.
$250 engagement, then a contingency on what we recover.
The same path whichever side you're on.
A short form. You'll get a reference number immediately, and a ByteID that identifies your file from that moment on.
A person reads every application. We check the documentation and tell you honestly what we think can be done.
Settlement, plan, conversion, or recovery. Nothing moves and nothing is charged until you've agreed to it in writing.
Funds are handled through trust, accounted for, and disbursed. You can check the status of your file at any point.
Most collection ends one of two ways: you pay, or something gets taken. There is a third option. Rather than being seized, an eligible judgment can be retired and converted — the obligation is satisfied and you receive an asset, repaid on terms you can actually live with.
It is voluntary, it is offered rather than imposed, and it is explained to you by a person before anything is signed.
Ask about conversion →Worth saying plainly, because this industry has earned its reputation.
No card form, no payment page, no "pay now to see your balance." Applying costs nothing and charges nothing.
We don't ask for your relatives, friends or neighbours, and we don't build a file on the people around you.
We won't quote you a balance we can't document. You tell us what you believe you owe, and we verify from there.
No automated denial, no scoring you out. Every application is read and answered by someone who can explain the answer.
No. Applying is free on both sides and no payment is taken through this site. If you're placing accounts for recovery there's a $250 engagement plus a contingency on amounts recovered — arranged directly with you after we've reviewed your file, never collected through a web form.
No. Telling us your situation doesn't create a new obligation and doesn't waive anything. If you believe the debt is wrong, say so on the form — disputing it is one of the options.
It's the identifier your file gets the moment you apply. Your application is encoded into it, so the reference can be verified later rather than just looked up in a spreadsheet. You'll see it on your confirmation.
It depends entirely on documentation and whether the debtor can be located. Straightforward accounts move in weeks; anything needing a foreign judgment registered or a writ issued runs on the court's calendar, not ours. We'll give you a realistic view after review rather than a number up front.
Yes — keep the reference number from your confirmation. Enter it with the email you applied with on the apply page and it'll show you the current status.
No. It depends on the obligation and on your circumstances, and it's offered case by case. Tick the box on the debtor form and someone will walk you through whether it fits before anything is signed.
A few minutes now beats another year of it hanging over you — or another year of chasing someone who won't pay.