--- title: Contingency Collection Agency | No Recovery, No Fee | A.R.M. Solutions description: A.R.M. Solutions' contingency collection agency earns nothing until you collect. File hygiene, skip tracing, credit reporting, and legal escalation through our legal network partnership. --- [Make a Payment](https://armsolutions.com/make-a-payment?hsLang=en) [Client Login](https://webview.armsolutions.com/) [Become a Client](https://armsolutions.com/contact?hsLang=en) [![logo-white](https://armsolutions.com/hs-fs/hubfs/armsolutions/site/logo-white.png?width=239&height=87&name=logo-white.png)](https://armsolutions.com/?hsLang=en) [Services](https://armsolutions.com/services?hsLang=en) [1st Party CARE](https://armsolutions.com/first?hsLang=en) [Flat Fee Collections](https://armsolutions.com/flatfee?hsLang=en) [Contingency Collections](https://armsolutions.com/contingency?hsLang=en) [Legal](https://armsolutions.com/legal?hsLang=en) [Industries](https://armsolutions.com/industries?hsLang=en) [Commercial](https://armsolutions.com/industries/commercial?hsLang=en) [Home Services](https://armsolutions.com/industries/home-services?hsLang=en) [Medical & Healthcare](https://armsolutions.com/industries/medical-healthcare?hsLang=en) [Resources](https://armsolutions.com/reporting?hsLang=en) [Technology & Reporting](https://armsolutions.com/reporting?hsLang=en) [Blog](https://blog.armsolutions.com/blog?hsLang=en) [About Us](https://armsolutions.com/about-us?hsLang=en) [Our Story](https://armsolutions.com/about-us?hsLang=en) [Associations & Partnerships](https://armsolutions.com/awards?hsLang=en) [FAQs](https://armsolutions.com/faq?hsLang=en) [Contact Us](https://armsolutions.com/contact?hsLang=en) [Contact Us](https://armsolutions.com/contact?hsLang=en) [Become a Partner](https://armsolutions.com/become-a-partner?hsLang=en) [Get a Free Consultation](https://armsolutions.com/contact?hsLang=en) [Home](https://armsolutions.com/?hsLang=en) / [Services](https://armsolutions.com/services?hsLang=en) / Contingency Collections Collections with Care # Contingency Collections *No Recovery, No Fee* You have accounts in your aging report that have been there a long time. Some are months or years old. Some belong to customers who are reachable but haven’t responded to anything your team has sent. A.R.M. Solutions assigns specialized industry collections experts to pursue past-due balances on a performance basis. A.R.M. Solutions earns nothing until you collect. No upfront cost. No retainer. No fee until funds are recovered. What you get: diplomatic outreach that protects your brand, and real recovery on accounts you had mentally written off. [Get a Free Consultation →](https://armsolutions.com/contact?hsLang=en) [Submit a Portfolio for Review →](https://armsolutions.com/contact?hsLang=en) No Fee No Recovery, No Fee on every contingency account $9.2 billion Placed and $5.5 billion resolved across all three programs 24/7 Real-time account visibility through the WebView portal 800+ Active clients across recurring billing industries ![Two colleagues reviewing account documents together at a laptop](https://armsolutions.com/hubfs/armsolutions/site/collab-review.png) ## Performance-Based Collections for Aged and Unresolved Accounts The Contingency program is A.R.M. Solutions’ performance-based collections offering. A.R.M. Solutions earns nothing until you collect. No upfront cost, no retainer, no fee of any kind until funds are recovered. The program works for two groups. The first is A.R.M. Solutions clients whose Flat Fee accounts have completed their treatment program without resolving. Those accounts transition automatically, with no new agreement needed. The second group is businesses with aged portfolios sitting in a write-off queue that need specialized collections experts and a fresh approach. In both cases, outreach is professional, compliant, and brand-safe. A.R.M. Solutions identifies as a licensed collection agency. That identification carries weight. How It Works ## Four Simple Steps From Placement to Recovery 01 ### Submit your accounts for review Send an aged portfolio or allow unresolved Flat Fee accounts to roll in automatically. Before any contact is made, A.R.M. Solutions conducts file hygiene on every account: scrubbing for bankruptcy filings, litigious debtors, probate matters, deceased account holders, and other legally sensitive conditions that affect collectability. 02 ### We assign a specialized collections expert with your industry on their record Each account goes to a collector who understands your billing model and customer relationships. They conduct skip tracing to locate current contact information and asset verification to confirm the account warrants pursuit. 03 ### Outreach is professional, diplomatic, and compliant with FDCPA, TCPA, HIPAA, and applicable state law A.R.M. Solutions identifies as a licensed collection agency, which carries the ability to report to credit bureaus. For accounts that require legal action, A.R.M. Solutions provides legal escalation. [Learn more about Legal Collections →](https://armsolutions.com/legal?hsLang=en) 04 ### You receive payment A.R.M. Solutions remits on net or gross remit terms depending on your agreement. Customers can pay by phone, online through the web portal, by check, or by credit card. Every contact attempt, status update, and payment is visible through the WebView portal in real time. What You Get ## Built for Full Recovery, Zero Friction ### No Recovery, No Fee A.R.M. Solutions earns nothing until you collect. No upfront cost, no retainer, no fee until funds are recovered. ### File hygiene on every account Every account is scrubbed for bankruptcy filings, litigious debtors, probate matters, deceased account holders, and legally sensitive conditions before any contact is made. ### Skip tracing and asset verification A.R.M. Solutions locates current contact information for accounts where original data has gone stale. Asset verification confirms the debtor has capacity to pay before resources are committed. ### Credit bureau reporting Delinquent accounts can be reported to the major credit bureaus. This adds meaningful leverage for accounts that haven’t responded to other approaches. ### Legal escalation For accounts that require legal action, A.R.M. Solutions provides pre-legal demand, litigation, and judgment enforcement. ### Diplomatic and compliant Outreach is professional, empathetic, and fully compliant with FDCPA, TCPA, HIPAA, and state law. Customers can resolve balances and remain in good standing with your business. ### Real-time visibility through WebView Every contact attempt, status update, and payment is visible through the WebView portal. 24/7 access. Full transparency at the account level. ### Licensed and authorized to collect in all 50 states Licensed and authorized to collect in all 50 states. SOC 2 certified. A+ BBB rating. No judgments, warnings, or regulatory actions. Backed by a partnership with a leading creditors’ rights law firm. Proven Results ## What the Contingency Program Has Delivered $1.2B Contingency placed · $220 million resolved 26% Of accounts resolved at 4% cost in a case study, $357,000 recovered 99+% Client revenue retention rate - Across all programs: CARE $6 billion placed, $4 billion resolved. Flat Fee $2 billion placed, $1.3 billion resolved. Contingency $1.2 billion placed, $220 million resolved. - 800+ active clients - 99+% client revenue retention rate - Average client tenure over 5 years - Licensed and authorized to collect in all 50 states. SOC 2 certified. A+ BBB rating. No judgments, warnings, or regulatory actions. The Full Lifecycle ## Where Contingency Sits in the Full A.R.M. Solutions Recovery Path Most A.R.M. Solutions clients use Contingency as the continuation of the Flat Fee program. When Flat Fee accounts complete their 60-day treatment program without resolving, they transition into Contingency automatically. No new contract. No gap in coverage. For aged inventory, Contingency is also available as a standalone program. A one-time portfolio submission can recover long-stalled write-offs without committing to an ongoing program. The full recovery lifecycle runs: - [1st Party CARE](https://armsolutions.com/first?hsLang=en): 0 to 90 days past due. A.R.M. Solutions staff contact your customers as your company. - [Flat Fee Collections](https://armsolutions.com/flatfee?hsLang=en): Licensed third-party outreach at a fixed cost. 60-day treatment program. - Contingency Collections: Performance-based recovery. No Recovery, No Fee. - [Legal Collections](https://armsolutions.com/legal?hsLang=en): Pre-legal demand, litigation, judgment enforcement for accounts that require legal action. Why A.R.M. Solutions ## Why Finance and Operations Teams Choose A.R.M. Solutions Contingency ### Aligned incentives, no upfront cost A.R.M. Solutions is paid only when you’re paid. No upfront risk. The program is designed to recover revenue professionally and with your customer relationships intact. ### Protect customer relationships Outreach is respectful, professional, and brand-safe. Our collections experts understand that in recurring billing industries, a delinquent customer today can be an active customer tomorrow. ### Full visibility and control Every contact attempt, payment, and status update is visible through the WebView portal in real time. You maintain full control. A.R.M. Solutions never holds your accounts. ### A strategic partner with industry expertise A.R.M. Solutions serves 12+ core industries. Our collectors are recruited from the verticals we work: pest control, waste, propane, HVAC, medical, and more. Industry knowledge speeds recovery. Get Started ## These Accounts Are Not Lost Causes Talk to an A.R.M. Solutions specialist about your portfolio. For ongoing placements, we review your AR lifecycle and show you where Contingency fits. For one-time clean-ups, send us your file and we assess what is realistically recoverable at no cost to you until we collect. [Get a Free Consultation →](https://armsolutions.com/contact?hsLang=en) [Submit a Portfolio for Review →](https://armsolutions.com/contact?hsLang=en) [(888) 772-6468](tel:+18887726468) [contact@armsolutions.com](mailto:contact@armsolutions.com) Compare ## Compare Our Programs ### 1st Party CARE A.R.M. Solutions staff contact your customers as your company. Early-stage in-name outreach before accounts become a third-party issue. - 0 to 90 days past due - Fixed fee per treatment series - Brand-safe in-name outreach - Auto-pay conversion included [Learn more about 1st Party CARE →](https://armsolutions.com/first?hsLang=en) ### Flat Fee Collections Licensed third-party recovery at a fixed cost. You keep 100% of what is collected. Auto-rolls to Contingency. - All accounts treated equally - 2x Performance Guarantee - 60-day treatment program - You keep 100% collected [Learn more about Flat Fee Collections →](https://armsolutions.com/flatfee?hsLang=en) Current ### Contingency Collections A.R.M. Solutions is paid only when you’re paid. - No Recovery, No Fee - File hygiene and skip tracing - Asset verification - Credit bureau reporting - Legal escalation when accounts require it - Specialized industry collections experts - FDCPA, TCPA, HIPAA compliant - Net or gross remit options - Multiple payment options for customers You are viewing this program FAQ ## Frequently Asked Questions What types of accounts are right for contingency collections? Accounts that are 90 or more days past due, accounts that completed a Flat Fee program without resolving, and aged portfolios sitting in a write-off queue. Contingency also works for one-time clean-ups of historical AR backlogs. A.R.M. Solutions reviews your file before work begins. What is file hygiene and why does it matter? Before A.R.M. Solutions contacts any account, every record is scrubbed for conditions that make recovery legally risky or unworkable: bankruptcy filings, litigious debtors, probate matters, deceased account holders, and other sensitive legal situations. This protects you from compliance exposure and focuses resources on accounts that can resolve. How does A.R.M. Solutions handle FDCPA and state law compliance? A.R.M. Solutions is licensed and authorized to collect in all 50 states and operates in full compliance with the FDCPA, TCPA, HIPAA for healthcare-related accounts, and applicable state collections laws. Our compliance record includes no judgments, warnings, or regulatory actions. Documentation is available upon request. What payment options are available to customers? Customers can pay by phone, online through the web portal, by check, or by credit card. Multiple payment options reduce friction and increase resolution rates. Every payment is documented in the WebView portal, which you can access 24/7. What happens when an account needs legal action? A.R.M. Solutions provides pre-legal demand, litigation, and judgment enforcement for accounts that require legal action. Legal escalation is part of the A.R.M. Solutions ecosystem. You don’t need a separate vendor or a separate contract. [Learn more about Legal Collections →](https://armsolutions.com/legal?hsLang=en) ![Exclusive Endorsed Collection Partner of NPMA (National Pest Management Association)](https://armsolutions.com/hubfs/armsolutions/site/npma.b8a4e417.webp) ![Exclusive Endorsed Collection Partner of NPGA (National Propane Gas Association)](https://armsolutions.com/hubfs/armsolutions/site/npga.1d6fd6f5.webp) ![Exclusive Endorsed Collection Partner of NWRA (National Waste and Recycling Association)](https://armsolutions.com/hubfs/armsolutions/site/nwra.svg) ![Integrated with ServiceTitan](https://armsolutions.com/hubfs/armsolutions/site/servicetitan.png) ![BBB A+ Rated — Better Business Bureau](https://armsolutions.com/hubfs/armsolutions/site/150x806.92965dca.webp) ![as-seen-in-forbes](https://armsolutions.com/hubfs/as-seen-in-forbes.jpg) **Inc. 500** **Licensed and authorized to collect in all 50 states.** **SOC 2** Certified A·R·M **Solutions** © 2026 A.R.M. Solutions. Licensed and authorized to collect in all 50 states. SOC 2 Certified. [Privacy Policy](https://armsolutions.com/privacy-policy?hsLang=en) [Careers](https://armsolutions.com/careers?hsLang=en) [Terms of Use](https://armsolutions.com/privacy-policy?hsLang=en) [State Disclosures](https://armsolutions.com/state-disclosures-a.r.m.-solutions?hsLang=en) California License No.: 10207-99 · NV Collection Agency License No: CAD11481 · NV Compliance Manager Certificate No: CM12201 · Company NMLS ID: 937594 · NV Compliance Manager NMLS ID: 999745