Recover B2B Debts—No Upfront Fees, No Legal Hassle

Accountgram helps businesses collect on unpaid invoices under $10,000. Traditional collection agencies and legal routes can be too costly for smaller debts—our data-driven process closes that gap.

Key Stats from 62 B2B Debt Collection Incidents
30.2%
Debts successfully recovered
12 days
Average time to collection

Case study

Reduce SaaS Churn Through Systematic Debt Recovery

12-15% 3% Churn rate reduction

Proxycurl Logo

Proxycurl reduced churn rate from 12–15% down to 3% by combining:

  1. Mandatory annual subscriptions with the option of monthly payments (enforcing contractual obligations).
  2. Accountgram's multi-step debt recovery whenever a client breached payment terms.
  3. Transparency & communication around overdue accounts.

When you proactively address unpaid invoices and hold customers accountable, you discourage churn and set clear expectations.

Accountgram transforms "unrecoverable" losses into real revenue.

How it works

How Does Accountgram's Debt Collection Work?

We use a data-driven, incremental approach—giving debtors fair warning while escalating notifications in carefully measured steps.

1

Amicable Outreach

  • We contact the debtor with personalized emails, requesting prompt payment.
  • Debtors can dispute or verify the invoice, fostering a constructive resolution.
2

Public Listing & Credit Bureau Filing

  • If unresponsive, we list the debt on Accountgram's public debt database and file with credit bureaus (e.g., Dun & Bradstreet) once we verify the claim.
  • This step emphasizes the seriousness of non-payment.
3

Notification to Debtor's Team

We escalate notices to relevant stakeholders or employees within the debtor's organization, reminding them of contractual obligations.

4

Extended Outreach

  • With the creditor's consent, we may send final notifications to publicly available contacts and, where permissible, the debtor's customer base.
  • This is the final escalation, used only if previous steps yield no response.

Compliance

Fully Aligned with US B2B Debt Regulations

We focus solely on B2B debts and enforce strict documentation requirements, ensuring every debt listed has verifiable proof. Our process is designed to comply with key regulations:

Regulatory Act Potential Problem Accountgram's Mitigation
FDCPA (re: consumer debts) B2B debts with sole proprietorships/personal guarantees may qualify as consumer debt.
  • Exclude sole proprietorships: We only handle incorporated businesses.
  • Client confirmation: Ensure debts are purely commercial.
FDCPA applies to consumer debt, but Accountgram is B2B-only. Strict B2B focus: We verify business structures (e.g., EIN, incorporation documents).
FCRA (credit reporting) Inaccurate debt reporting to credit bureaus.
  • Require proof: Contracts/invoices must be uploaded.
  • Flag unverified debts for review prior to reporting.
Debtor must be notified within 30 days of credit bureau reporting. Timely notifications: We email the debtor within 2 business days, including credit bureau contact info.
Debtors need a way to dispute inaccuracies. Dispute portal: Debtors can submit evidence to freeze the claim pending review.
State Debt Laws (e.g., CA, NY, TX) Local licensing/bond requirements for debt collectors. Register or partner: We file the appropriate surety bonds and partner with licensed agencies for escalations as needed.
Usury Laws Charging excessive interest on installment plans. State-specific caps: We abide by each jurisdiction's interest rate limits.
CCPA / Data Privacy Debtors may request data deletion under privacy laws. Commercial focus: We do not track personal data of individuals; only corporate entities.

Pricing

Simple, Performance-Based Pricing

No upfront fees for the first 10 claims—only pay when we successfully recover your debt. After that, choose a plan that fits your scale.

First 10 Claims

  • 45% commission on any collected amount

  • No upfront cost

  • Perfect for trying out the service risk-free

  • (Equivalent to a free trial—no monthly fee until you surpass 10 claims.)
Accountgram pricing using succulent as illustration

Starter

For fresher debts, lower commission.

$49/mo
Paid annually
40–50% commission

Growth

Better rates for moderate volumes.

$299/mo
Paid annually
35–45% commission

Scale

Ideal for higher debt volumes or older claims.

$899/mo
Paid annually
30–40% commission

Enterprise

Our best rates for significant volumes.

$1,899/mo
Paid annually
25–35% commission

Note: Commission depends on how old the debt is—fresher debts often recover more easily, so you pay a smaller percentage.