Frequently asked questions

FixPayment is accounts receivable software for creditors. You get a portal, AI-assisted triage, playbooks to train your team, payment links, plans, settlements, dispute/cease workflows, and APIs—built for commercial / B2B invoices, not consumer household debt collection.

No. We position FixPayment as creditor software and related tools. Creditors remain responsible for their own outreach, licensing where required, and legal compliance. Optional assisted workflows exist, but the default model is your team using the platform under your control/brand.

Commercial / B2B receivables only. At signup and when adding accounts you must attest the balance is not a consumer debt for personal, family, or household purposes.

Prefer platform subscription / usage for the software. Optional plans include coaching hours, early-delinquency No Recovery, No Paid (~5% of recovered), and success-fee options (~18% of recovered on enrolled accounts). Customer payments should settle to you or your payment processor; platform fees are billed to you separately.

Yes. AI prioritization plus playbooks and coaching help your staff run negotiations and follow-ups for stronger recovery—software and training, not a traditional agency desk by default.

They can file a dispute or validation request in the portal. Matched accounts are marked disputed and automated outreach is paused pending review. Where U.S. consumer debt-collection rules apply to a matter, timelines and notices follow those rules; for B2B commercial accounts, we still document and pause for fairness and auditability.

Yes. Use the cease-communication form. When an account is matched, we record a cease flag and pause automated outreach (limited notices required by law may still apply). Stopping contact does not erase the underlying obligation.

Agencies typically contact debtors as third-party collectors and take a large contingency. FixPayment is built so creditors keep the relationship, use software + trained staff, and optionally choose lower contingent fees—with audit trails instead of black-box collections.

No. There is no FTC stamp of “FDCPA compliant.” We provide educational rights pages and product workflows (dispute pause, cease flags, disclosures). Creditors and any collectors they engage remain responsible for their own compliance.

Email support@fixpayment.org or use the contact form. Creditors can also use the portal for account-level support.

Yes. Open the account, confirm the debtor’s exact legal name, and we file the UCC-1 (or related commercial lien) at the Secretary of State or county and post the official number. When the debt is paid, request a release in the portal and we file the UCC-3 termination. The price appears when you file or release. A UCC-1 perfects a security interest — it does not create one — so the contract should grant a security interest or another Article 9 basis must exist. Continuations are flagged in the six months before the typical five-year lapse. See https://fixpayment.org/lien-filing.php for details. This is not legal advice.