Licensing

Where the claim stays

The creditor never stops owning it

A business collecting its own debt is a first-party creditor. That places the activity outside the federal debt-collection statute, outside state collection-agency licensing, and away from the unauthorized-practice, champerty and fee-sharing questions that constrain every model built on buying claims or appearing on them.

Who licenses it

Anyone holding more receivables than they can read

Factoring companies and mid-market accounts-receivable and credit departments come first: they already hold the paper, already have the customer relationship, and already write off the sub-economic tail as a cost of doing business. Construction suppliers, freight brokers and insurer subrogation units follow, where the statutory hooks are strongest.

Licensed as an annual subscription with a success fee on recovered dollars, so the software is paid for out of money that was not previously being collected.