From first-party customer care to third-party recovery, Northstar Collections delivers a complete suite of receivables services — engineered around your portfolio, your customers, and your brand.
Core Services
What we do for your portfolio
Every engagement starts with a customized workplan and ends with measurable liquidation. Here's how we get there.
CC
Consumer Collections
Third-party recovery for consumer accounts across every bucket — early-stage to legal status — with treatment plans tuned to behavioral score.
Pre-charge-off and post-charge-off recovery
Behavioral segmentation & scoring
Dynamic monitoring and trigger programs
BC
Commercial Collections
Specialized strategies for B2B receivables — preserving commercial relationships while restoring cash flow.
Trade and supplier receivables
Negotiated settlements & structured payouts
Litigation referral coordination
ST
Skip Tracing
Manual and automated skip tracing — our agents verify phone, address, and place of employment using proprietary and public-domain sources.
Automated wash & waterfall every 30 days
POR, POE and cell-phone discovery
Credit-bureau trigger monitoring
FP
First-Party Customer Care
Branded outreach that operates as an extension of your in-house team — early-stage delinquency programs that preserve loyalty.
Branded scripting & treatment
Inbound & outbound contact strategy
Cash-acceleration programs
OC
Omnichannel Outreach
Voice, SMS, email, and letter campaigns — orchestrated to reach customers on the channel they actually respond to.
Power, progressive, and preview dialing
SMS and email campaign automation
Message blasting & link-back flows
QA
Quality & Compliance
Built-in Compliance Watch enforces every regulatory boundary — and our QA team audits a minimum of 10 accounts per agent, per day.
100% call recording & monitoring
Provincial & federal law adherence
Account-level audits & calibration
Dialer & Reporting
Technology that drives liquidation
Our dialer environment runs within full Canadian time-zone restrictions and feeds a real-time reporting layer customizable to your KPIs.
A
Site Performance
Real-time monitoring of campaign cost, ROI, and call-volume forecasting to protect SLAs.
B
Agent Performance
Track call times, hold times, availability, compliance status, and conversion rates across teams or individuals.
C
Custom KPIs
Layer any metric over call outcomes to surface hidden patterns — from talk-off effectiveness to weak-performer trends.
Our Workflow
At North Star Collection Agency, we help businesses recover outstanding receivables with professionalism, integrity, and results. Our goal is to improve cash flow while treating every customer with respect and complying with all applicable collection laws
From Day 1 to Resolution
When an account arrives, it's placed on hold per legislation and a demand letter is issued. Once the regulatory window elapses, the account is assigned to a collector and enters our segmented work cycle.
Skill-based inbound call routing with second-voice talk-off strategies on connected calls.
Daily management review of prior-day outbound work to refine the work plan in flight.
Cash-acceleration program targeting the most valuable segment of your portfolio first.
Why it works
Our Collection Effectiveness Index (CEI) model predicts payment outcome with high accuracy on every account — meaning we direct our dialer vs. dedicated-agent resources where they'll move the needle most.
Built for your portfolio.
Customized workplans, transparent reporting, and a partnership approach.
