Collections with Care

1st Party CARE That Feels Like Your Own Team

Your billing team is stretched. Delinquent accounts keep aging while your staff chases current customers and handles inbound calls. Hiring another collector means recruiting, training, managing, and paying for someone you may not need full-time.

A.R.M. Solutions’ 1st Party CARE program handles your early-stage collections as a fully managed extension of your AR department. Our staff contacts your customers as part of your team, then works every account in your queue and reports back on what’s driving non-payment.

No recruiting, no training, no added headcount. A.R.M. Solutions works as an extension of your team.

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Four hands fitting puzzle pieces together, working as one team

A Smarter Way to Handle Early-Stage Delinquency

Most service businesses wait until accounts are 60 to 90 days past due before doing anything structured. By then, the recovery rate has dropped and the customer has started mentally writing off the relationship.

CARE (Collections with Accounts Receivable Excellence) is A.R.M. Solutions’ 1st Party outsourcing program. It’s designed for businesses with recurring billing that want to intervene early, consistently, and without adding headcount. We work your accounts at 0 to 30 days past due, before they become a collections problem.

According to Gallup research, fully engaged customers generate 50% higher revenue than disengaged ones. A 5% increase in customer retention can increase profits by 25 to 95%, per Bain research.

Getting to a past-due customer early, professionally, and in your name is not just a collections decision. It is a retention decision.

How It Works

What CARE Actually Does

We assign dedicated A.R.M. Solutions staff to your AR queue. So it’s your company calling, not as a collection agency. Every customer interaction stays on-brand and in-house. Here’s what they handle:

Outreach and Contact

Live outbound phone calls using your company name
Written notices and email outreach
SMS text outreach through our digital-first multichannel strategy
Inbound call handling for customers who respond
Customer contact verification and data updates
All in the name of the brand that services them (regardless of how many brands you have)

Payment Processing

Full payment processing and invoice fulfillment – payments go directly back to you.
Auto-pay conversion: our staff actively promotes customers signing up for autopay, reducing future delinquency at the source
Account status updates in real time through your WebView portal

Reporting and Insights

Root cause analysis: we track and report on why accounts go delinquent, whether it is billing disputes, service complaints, cancellation intent, or contact data problems
Monthly reporting to inform your broader AR strategy
24/7 access to placement data, payment activity, and resolution performance

What You Get

Avoid Employee Overhead

Hiring an internal AR specialist costs $4,000 to $7,645 in recruiting and onboarding. It takes 42 to 52 days on average to fill that role. Replacing someone who leaves costs 50 to 60% of their annual salary.

With CARE, A.R.M. Solutions handles all hiring, training, HR administration, compensation, and benefits. You get the output without the overhead.

A Fixed Cost, Not a Commission

CARE runs on a fixed fee per treatment series. You know exactly what the program costs before you start. There are no commissions, no percentage of recovery, and no surprise fees. Keep your recovered revenue.

Industry-Specific Knowledge

A pest control company’s AR queue is different from a propane distributor’s or a waste hauler’s. We understand the seasonal billing patterns, the customer relationship dynamics, and the language that resolves balances without creating complaints.

Proven Results

CARE Delivers

$6 billion placed, $4 billion resolved, 67% resolution rate. Average recovery cost: 3 cents per dollar recovered.
A national pest control company using CARE achieved an 86% average resolution rate in the program, reducing the volume of accounts sent to third-party collection by 86%.
A staffing-model case study: 73% resolved at 3% cost, $20.8 million resolved.
$9.2 billion placed and $5.5 billion resolved across all programs combined.
800+ active clients. 99+% client revenue retention rate. Average client tenure over 5 years.

The Full Lifecycle

CARE Is the First Step, Not a Standalone

Accounts that do not resolve through CARE move automatically to the next stage. You don’t need a separate vendor, a separate contract, or a separate conversation.

CARE works accounts at 0 to 90 days past due and separates customers with servicing challenges and disputes from those experiencing financial stress
Unresolved accounts roll to Flat Fee Collections, where A.R.M. Solutions contacts customers as a licensed third-party agency at a fixed cost per account
Accounts that remain unresolved after the flat-fee stage roll to Contingency Collections
Legal escalation is available through our legal network partnership

One partner. One portal. Every account tracked across every stage.

Learn more about Flat Fee Collections Learn more about Contingency Collections

Why A.R.M. Solutions

What Makes CARE Different from Internal Collections or Generic Outsourcers

Brand-safe outreach

We operate as part of your team. So customers speak directly with your company, and your brand stays intact throughout every interaction.

Predictable cost

The program runs on a fixed fee. No commissions, no percentage of recovery, no incentive to push customers harder than is appropriate. Keep everything that is collected.

Early intervention

We start within 24 hours of account placement and can reach tens of thousands of customers quickly. Accounts at 30 days have a fundamentally different resolution rate than accounts at 90 days. Getting to them early increases retention and recovery.

Licensed and compliant

A.R.M. Solutions is licensed and authorized to collect in all 50 states, SOC 2 certified, and carries an A+ BBB rating. Our compliance record includes no judgments, warnings, or regulatory actions.

Technology integration

We support 20+ other platform connections and are the only collections partner fully integrated with platforms like ServiceTitan, PestPac, Cargas, RCC, FieldRoutes and many more.

Get Started

Ready to Stop Managing the Employee and Start Managing the Receivable?

In a free 30-minute consultation, an A.R.M. Solutions specialist reviews your current AR workflow and delinquency patterns, then recommends the right program structure for your team and your portfolio. No obligation. No commitment.

Get a Free Consultation (888) 772-6468 contact@armsolutions.com