Pricing & Contingency Rates

How Collection Agency Pricing Works

Most collection agency pricing is contingency-based — you pay nothing if no recovery occurs, and a percentage of recovered funds when collection succeeds. Specific rates depend on:

• Debt type — Medical (capped at 5% under NRS 649.368), commercial B2B, judgment, landlord, utility
• Account age — Fresh accounts (0–90 days) cost less; older accounts (1+ years) cost more
• Balance size — Larger balances often carry lower percentage rates
• Documentation quality — Strong documentation reduces cost; weak documentation increases it
• Volume — Larger placement volumes often qualify for tiered rates

Why We Don't Publish Specific Rates

Publishing specific contingency rates without context misleads more than it helps. A 25% rate on fresh medical accounts is reasonable; the same rate on 3-year-old commercial debt with thin documentation might be uneconomic for either party. Real pricing requires a portfolio review.

Medical Pricing: Capped at 5%

Under NRS 649.368, fees added to medical debt collected in Nevada are capped at 5% of the underlying balance. This applies regardless of agency or account characteristics. See our SB 248 Medical Debt resource.

What's Included

Our contingency rate covers:

• Account intake, validation, and segmentation
• Required Nevada and federal notifications
• Multi-channel outreach (phone, letter, email)
• Skip-tracing where required
• Payment plan structuring and dispute handling
• Trust accounting and remittance
• Real-time client portal reporting
• Monthly remittance and account-level reporting

What's Not Included

• Legal action — Litigation costs (court filing fees, attorney's fees, sheriff's fees) are typically passed through and may be advanced or billed separately depending on the engagement
• Out-of-state coordination — Multi-state accounts routed to affiliated agencies may have their own fee structure
• Custom integrations — Standard SFTP and spreadsheet placements are included; custom EHR or platform integrations may carry one-time setup costs

No Setup Fees. No Monthly Minimums.

Standard placements at Vegas Valley have no setup fees and no monthly minimums. You don't pay to onboard, you don't pay if no recovery occurs, and you don't pay a monthly fee to keep accounts active.

How to Get Specific Pricing

Request a free portfolio review at /contact. We'll review your accounts (or a representative sample) and provide specific pricing based on debt type, age distribution, balance distribution, documentation, and volume.