Consumer Debt Collection Services

Consumer debt recovery is subject to the Federal Fair Debt Collection Practices Act, as well as other state and local rules and regulations. To ensure compliance, our highly trained and licensed professionals are subject to continuous training, ensuring strict adherence to applicable federal and state laws.

We work consumer accounts as often as legally allowed, and we report debtors collection items to all major credit bureaus. We work according to the highest standards, both professionally and ethically. What this means to you is far less complaints and higher recovery rates.

Your confidence in our ability to protect your funds is particularly important to us and our continued relationship with you. We will not rest until we have exhausted all legal means of collecting your consumer business debt.

We collect in the following consumer industries:
Medical Debt
Dental Debt
Retail Debt
Business to Consumer (B2C) Debt

At Flathmann & Stern, LLC we maintain a library of laws and regulations to support our efforts. Relevant case law that pertains to whatever your situation dictates. We use this information to support our collection efforts and educate the debtor as to why, based on their legal responsibility, it is in their best interest to pay. The law, when it is on your side, is the best advantage you can have. In addition, when this advantage is combined with the assessment of legal fees, finance charges and the potential for court costs, as well a credit report, now you have the attention of even the most stubborn of debtors.

Contrary to what people may think, the art of collections is more than just asking for money. It is knowing whom you are speaking to before you pick up the phone. Knowing their financials, assessing their credit, locating assets, and using a range of psychological techniques to engage those special cases.

Flathmann & Stern, LLC is a forensic collection firm with a special emphasis in the consumer debt industry. We go the extra mile to produce results that other firms only talk about. Our technology and training make F & S an easy choice for all of your receivables management concerns. And as always, We guarantee collection or its FREE!


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"Flathmann & Stern, LLC services are superior and are truly needed in business. I was always skeptical about using a collection agency to collect on my customers that were behind in paying me until one day enough was enough."

"Today, I have a different philosophy about collections, if my customers don't pay my invoices within 30 to 45 days, those invoices go right to Flathmann & Stern for collections."

"I highly recommend Flathmann & Stern for Business Debt Collection. They specialize in transportation debt collections and they literally saved our old accounts receivable. They are an excellent organization!"

Debt Collection Specializations:
  • Commercial Debt Collection
  • Transportation Collection Agency
  • Freight Collection Agency
  • Aviation Debt Collection

We Guarantee Collection Or Else It's FREE!     •     We are an A1 rated top Pick!