Debt Collection Agency in Hamilton – Aaron Bryant Stewart & Cross
Aaron Bryant Stewart & Cross is a premier debt recovery agency in the United States offering effective risk-free Debt Collection services, established in 2006 and serving North America and select international markets, as the exclusive Debitura partner in the U.S., providing No Cure No Pay collections based on Debitura's risk-free standard terms and pricing, and is a member of ACA International.
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Company description
About Aaron Bryant Stewart & Cross – Debt Collection in the United States
Aaron Bryant Stewart & Cross (ABSC Recovery) is a leading debt collection agency in Hamilton, Ohio, renowned for its effective and compliant debt recovery practices. Established in 2006, the agency serves as an exclusive Debitura partner in the United States, and offers risk-free pre-legal debt collection services.
Proven Results
ABSC Recovery has demonstrated remarkable success with a 99% recovery rate on contingency placements, ensuring most claims are settled within 90 days. Their ethics-driven approach complies with key regulations, including the Fair Debt Collection Practices Act (FDCPA) and oversight from the Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC). As a member of ACA International, the agency upholds stringent ethical standards, enhancing its credibility and trustworthiness in the industry.
Meet the Team
Founded by experienced professionals, ABSC Recovery employs a dedicated team of 35 specialists. Joseph Bryant, Senior Managing Partner, leads the team with a focus on innovation in debt recovery. The firm is guided by experts like Shannon Teal, Account Manager/Sales, who advises on B2B collections and risk management, reflecting the team's strong leadership and commitment to client success.
Services & Industries
Specializing in commercial debt recovery, consumer debt recovery, and legal forwarding, ABSC Recovery is adept at addressing diverse client needs across North America. Notably, the agency excels in pre-legal (amicable) debt collection, providing risk-free collections under the exclusive No Cure No Pay model set by Debitura. This unique approach positions ABSC as an expert in legal debt recovery practices.
For further context, see Debitura’s United States debt‑collection guide, which offers insights into local regulations and best practices.
PRICING MODEL
As an exclusive partner, Aaron Bryant Stewart & Cross provides pre-legal debt collection under Debitura’s Standard Debt Collection Agreement and pricing.
This means no upfront costs for pre-legal recovery. Clients only pay if Aaron Bryant Stewart & Cross successfully recovers the claim.
If the firm does not recover the claim, clients pay nothing, operating under the “No Cure No Pay” model.
What success fee applies?
The firm operates entirely on a contingency-fee basis with fees deducted from successful recoveries. Commission percentages are negotiated on a case-by-case basis and documented in client agreements.
View pricing details here: Debitura Pricing
Legal Action
In some cases, legal action may be required for disputed claims or unsuccessful pre-legal efforts. Legal escalation is not covered by the standard No Cure No Pay agreement. If legal action is necessary, the firm advances costs and recovers expenses via the contingency fee only after judgments or settlements are achieved. Aaron Bryant Stewart & Cross offers a custom quote through the Debitura platform for client approval.
ABSC ensures compliance with federal and state regulations, offering clients full disclosures and 24/7 online access to real-time reporting.
Process
To submit a debt-recovery claim to Aaron Bryant Stewart & Cross, please first create a free profile on Debitura. Once registered, upload your claim through the Debitura portal, where the exact success fee will be clearly displayed prior to submission. During this process, you will digitally execute a Power of Attorney (PoA) via the Debitura platform, authorizing Aaron Bryant Stewart & Cross to carry out pre-legal debt collection activities on your behalf.
Debitura’s Standard Debt Collection Agreement
As an exclusive Debitura partner, Aaron Bryant Stewart & Cross operates under Debitura’s Standard Debt Collection Agreement. The Agreement also defines the Minimum Service-Level Requirements that must be met throughout the pre-legal stage.
Pre-Legal Debt-Collection Workflow
The exact collection strategy is tailored to each case, yet it generally follows these steps:
- Step 1 — Case approval (≤ 48 hours): Aaron Bryant Stewart & Cross reviews the submitted documentation and confirms acceptance of the claim.
- Step 2 — Asset and liability investigation: An in-house investigator coordinates with private investigators and local counsel to evaluate the debtor's ability to pay.
- Step 3 — Verification: Debtor location and contact details are confirmed through business contacts, including vendors, bankers, and trade references.
- Step 4 — Formal demand notice: A written demand for payment is issued to the debtor.
- Step 5 — Multi-channel collection campaign (3–6 months): A coordinated campaign involving letters, emails, phone calls, and SMS messages is carried out to secure full payment. If immediate settlement is unachievable, an installment agreement is negotiated and signed.
- Step 6 — Legal escalation (optional): If pre-legal efforts do not succeed within six months, Aaron Bryant Stewart & Cross may recommend initiating legal proceedings. Legal action falls outside the scope of the Standard Debt Collection Agreement. All associated costs will be clearly quoted in the Debitura portal and will require explicit written approval before proceeding.
Debitura transforms debt recovery with its tech‑powered platform, efficiently routing claims to vetted local experts for tailored actions. Operating in 183 countries, it reaches the United States with an effective no‑cure‑no‑pay model, minimizing financial risk for creditors. In the debt collection agency United States guide, businesses can learn about statutory interest and collection timelines crucial for informed decisions. To access seamless solutions, explore the United States debt‑collection guide offered by Debitura. Connect with their robust North America debt‑collection network to strengthen your financial strategies and ensure successful claim resolutions.
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