Frequently Asked Questions

Cortiva Solutions partners with a diverse range of sectors—including healthcare, finance, retail, education, property management, and more—to recover outstanding balances. Whether you're a large organization or an individual service provider, we tailor our approach to meet your specific needs with professionalism and empathy. 

No. With our “No Recovery, No Fee” model, you won’t pay anything upfront. We only charge when we successfully recover funds—making every engagement 100% risk-free and results-driven. 

To get started, simply provide the following details about the delinquent account:

• Amount owed
• Debtor’s full name and company (if applicable)
• Debtor’s phone number and email address

We’ll also need your business information to complete the setup and ensure a smooth onboarding process. Once received, we’ll tailor our approach to your specific case and begin recovery efforts promptly

The FDCPA is a federal law that protects consumers from abusive or unfair debt collection practices. As part of the Consumer Credit Protection Act, it sets strict standards for how debt collection must be conducted—with transparency, respect, and legal integrity.

At Cortiva Solutions, we take FDCPA compliance seriously. Every outreach we conduct is guided by empathy, professionalism, and full adherence to federal and state regulations. Our team is trained to ensure that all communications are respectful, accurate, and compliant—preserving trust while delivering results.

While sending your own invoice or reminder can be a helpful first step, partnering with Cortiva Solutions adds urgency and credibility to the recovery process. Our professionally crafted outreach—backed by compliance and empathy—signals to debtors that resolution is now a priority. In many cases, the involvement of a collection agency significantly increases response rates and accelerates payment timelines. We help preserve relationships while delivering results 

For the best chance of recovery, we recommend submitting accounts within 30 to 90 days of delinquency. Early intervention increases the likelihood of resolution—while accounts that linger unpaid often become harder to collect. Cortiva Solutions helps you act promptly and professionally, preserving relationships while maximizing results. 

Great question—and one we hear often from smart, proactive teams like yours. Our role isn’t to replace your qualified staff, but to complement them. While your AR team focuses on current receivables and maintaining strong client relationships, we step in to handle the accounts that have stalled or slipped through the cracks.

We specialize in the “not-so-good money”—the balances that require a different kind of attention. As a third-party partner, our outreach creates urgency and elevates your priority status with the debtor. Best of all, our services come with no upfront cost or risk. Think of us as an extension of your AR department, designed to recover revenue while preserving goodwill.