Our Commitment Policy

No Collection — No Fee

At Full Stream Recovery, our operational principle is straightforward and absolute:
If we do not collect, we do not get paid.

There are no management fees, retainer charges, or hidden costs of any kind. All terms are clearly disclosed and governed by written authorization prior to engagement. This ensures transparency, compliance, and alignment of interests between client and collector from initiation through resolution.

Service Classes, Rates, and Timelines

1. Suite Accounts (Litigation Accounts)

Fee Structure:
Clients incur no management or administrative fees for litigation accounts.
You are responsible solely for:

• Court filing fees,

• Service-of-process fees (if applicable), and

• Execution costs related to enforcement of judgment.

All anticipated costs will be itemized and quoted in advance of filing, ensuring informed consent before any legal action commences.

Attorney Engagement:
All affiliated collection counsel operate on a contingency-fee basis under written agreement. This ensures their compensation is directly contingent upon successful recovery, reinforcing their incentive to pursue the matter diligently and in good faith.

Estimated Timeline:

• Filing through judgment: typically 30–90 days, subject to jurisdiction and debtor response.

• Enforcement and post-judgment recovery: variable based on debtor assets, exemptions, and procedural timelines under state law.

2. Large Balance Accounts

Fee Structure:
Large-balance accounts qualify for preferred contingency rates based on:

• Outstanding balance amount,

• Debtor classification, and

• Account aging.

Rates are discussed and confirmed upon review of the specific account profile.

Consultation:
Clients are encouraged to contact our office directly for a confidential rate consultation. Each engagement is structured to maximize recovery efficiency while minimizing client exposure to cost.

Estimated Timeline:

• Recovery efforts commence within 48 hours of placement.

• Average resolution timeframe: 30–120 days, depending on asset traceability and debtor cooperation.

3. Large Debt Portfolio Placements

Fee Structure:
Bulk or portfolio placements qualify for tiered contingency rates or volume-based discounts determined by:

• Number of accounts,

• Average account balance, and

• Age and collectability of the receivables.

Program Structure:
Portfolios can be divided into tailored recovery phases, including:

• Early-out (pre-collection),

• Active collection, and

• Legal enforcement programs.

Estimated Timeline:
Activation typically occurs within five (5) business days upon execution of the placement agreement and file transfer.

4. Oil & Gas Mineral Lien Collections

Fee Structure:
All mineral lien collections are handled under a no-recovery, no-fee policy.
Clients are responsible only for filing fees, recording fees, and any statutory costs associated with lien perfection under applicable Texas law.

Scope of Services:

• Drafting, filing, and recording of liens,

• Notice issuance and compliance with statutory notice periods, and

• Enforcement actions, if required.

Estimated Timeline:

• Lien filing and notice: generally completed within 10–15 business days.

• Enforcement and recovery: subject to lien priority, operator payment cycles, and asset verification.

Supplemental Programs

Cure and Early-Out Recovery Programs

For clients seeking intervention prior to charge-off or aging into litigation, Cure and Early-Out programs are available. These programs are customized based on:

• Account aging,

• Volume of placements, and

• Average delinquency balance.

Pricing:
Individually quoted upon review of portfolio data.
Implementation Timeline:
Setup and activation occur within three (3) to five (5) business days following agreement execution and data verification.

Summary of Core Terms

Legal Disclosure

All services rendered by Full Stream Recovery are conducted in compliance with the Fair Debt Collection Practices Act (FDCPA), the Texas Debt Collection Act (TDCA), and all applicable state and federal statutes.
Written authorization and client consent are required prior to initiation of any legal proceedings or lien filings.
Contingency fees are earned solely upon successful recovery or settlement of debt.