Commercial collections  ·  California

The money
isn't gone.
It's stuck.

Talus recovers business-to-business receivables: unpaid invoices, canceled orders never refunded, equipment paid for and never shipped. Commercial claims only. No fee unless we collect.

Submit a claim How it works
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A talus slope rests at its angle of repose - the steepest grade loose rock will hold before it slides.
Receivables have one too. The older the file, the further it has already traveled.

What we take

Commercial claims only, screened before you sign anything. A claim that won't hold up wastes your time and ours.

We take

  • Unpaid commercial invoicesBusiness debtor, $5,000 and up
  • Prepaid orders canceled without refundIncluding wire payments with no chargeback path
  • Equipment and capital purchases never deliveredInstruments, machinery, fleet, inventory
  • Broken payment plans between businessesWritten terms, documented default
  • Claims under four years oldCalifornia breach-of-contract limit, CCP §337

We don't

  • Consumer debt, in any formTalus does not collect from individuals
  • Claims where the debtor is a person, not an entityPersonal guarantees are reviewed case by case
  • Files already in litigation or with another agencyOne agency at a time, always
  • Debtors in active bankruptcyThe automatic stay ends collection
  • Anything undocumentedNo contract, no invoice, no thread, no file

How a claim moves

Five stages, in order. Most debtors pay before stage four.

01

Intake and verification

We read the whole file - contract, payment confirmation, the full email thread - and check the debtor: entity status, judgment history, whether they're still trading. If the claim doesn't hold up, you hear it now, before you've spent a dollar.

02

Written demand

A formal demand stating the amount, the basis, and the deadline. A debtor who has ignored four emails from a customer tends to answer the first letter from a third party.

03

Direct contact

We reach principals and controllers, not the accounts inbox. If there's a real dispute, we find out what it is - often that answer is the fastest route to recovery.

04

Settlement or payment plan

We negotiate within written authority you set in advance. Nothing is accepted without your approval, and every term comes back in writing.

05

Litigation referral

For claims that warrant it, we refer to counsel and stay on the file. California allows prejudgment attachment on commercial contract claims - assets can be frozen before the case is decided. And a wire you sent names the bank account a judgment can levy.

Gravity is patient.
So are we.

Terms

Four things worth knowing before you send anything.

Contingency

Nothing up front. Our fee is a share of what we actually recover, agreed in writing before the file opens. No recovery, no fee.

Segregated funds

Money we collect sits in a client trust account until it is remitted to you. It never touches our operating account.

Commercial only

Business-to-business claims sit outside the FDCPA and California's Rosenthal Act. We hold to professional conduct standards regardless.

Straight answers

If a debtor is judgment-proof or a claim is weak, we say so and decline it. A file we can't collect helps neither of us.

Submit a claim

Tell us the shape of it. We review every submission and reply within one business day - including when the answer is no.

Don't attach documents yet. If the claim fits, we'll send a secure upload link for the contract, payment confirmation, and correspondence.