UCC Lien Enforcement
We help you recover what’s owed by securing and handling collateral quickly and professionally. Our team makes the process simple, keeping your business protected and your reputation intact. So you can focus on running your business, not chasing debt.
What We Do
We redirect payments right at the source. Our team scrubs bank statements to identify payment processors and accounts receivable targets, stepping in to enforce once a default occurs and an assignment notice has been delivered. From there, we capture proceeds wherever they flow; whether that’s cash, deposit credits, or payment streams tied to the purchase of future receivables.
We know how important timing and precision are in these cases, so we focus on winning the priority race. By carefully analyzing filing and perfection dates, we’re able to get ahead of unperfected or later-perfected claims. And when it comes time to act, we execute commercially reasonable remedies, enforcing post-default rights with accuracy and accountability.
Why Clients Use Us
Our clients choose us because we see more, move faster, and know the landscape better than most. We track a wider universe of potential payers, including payment processors, marketplaces, remitters, lockbox custodians, and other non-processor account debtors, giving our clients reach that extends beyond what lenders typically manage.
We also bring long-standing relationships with the major payment processors. We understand their systems, preferred formats, routing procedures, and evidence requirements, which helps cut down on back-and-forth delays and proof disputes. For non-processor accounts, we speak the same language they do, purchase orders, setoff, netting, defenses, and dilution, and we navigate the §9-406 “notification + proof” rules so payments continue to flow in the right direction.
All of this is supported by our dedicated enforcement team, that lives and breathes Article 9 workflows. This isn’t general collections work; it’s structured, documented, and always “commercially reasonable.”
Where We Excel
We thrive in complex cases where others get stuck. That includes processor-swept receivables, like card, ACH, or marketplace payouts, where proof standards, timing, and reserve accounts can trap funds. We also excel in platform and marketplace sales, where the “account debtor” isn’t the borrower’s customer but the remitting platform itself.
When disputes over dilution or setoff, like returns, chargebacks, or netting, threaten to derail payment redirection, we know how to frame those issues under §9-406 and relevant contract provisions to keep things on track. And for clients managing multi-state portfolios with mixed filing offices or legacy UCC-1 chains, our experience navigating those complexities ensures clean enforcement from start to finish.
What our clients are saying about Dedicated:
“Dedicated is professional and courteous and has achieved the highest collections rate our company has ever experienced using third-party collections agencies.”
—Heather F., Revenue Based Financing Funder