Our Services

Stephens and Michaels Associates, Inc was formed in 1998 and with more than a dozen years of experience in the recovery of past due receivables, understands that there is no one-size-fits-all ARM solution.
To address the unique needs of our clients, large, small and in-between-we've created three innovative and proven effective collection programs:

Recovery Max® - Ideal for accounts that need a reminder they are slightly past due or approaching past due status. Recovery Max assists smaller companies in collecting past due receivables before they become charged off accounts. Learn more.

Avert®- Avert concentrates on retaining customers by bringing past due accounts up to date, while avoiding repossessions that can spell the end of valuable relationships. In the event that repossession becomes necesary, our Managing Collateral program can assist in the recovery of collateral loans. Learn more.

Proclaim®- Perfect for accounts that have been charged off, Proclaim leverages database and telecom technology to the maximum, significantly increasing your bad debt recoveries. Learn more.