You pay only when we collect

Contingency rates typically range from 15–35%, depending on account age, average balance, and vertical. Fresher accounts and higher balances generally qualify for lower rates. We provide a specific rate quote after reviewing your portfolio.

No. Placement is free, setup is free, and there are no monthly minimums. You pay only on collected amounts. Our technology, compliance infrastructure, and client portal are all included at no additional charge.

When a consumer pays, ClaraPay retains its contingency percentage and remits the remainder to you on a regular remittance cycle (typically weekly or bi-weekly). You receive a detailed remittance report with every payment.

We work with portfolios of all sizes. There is no enforced minimum, though our AI-driven approach is most impactful on portfolios with 100+ accounts. Speak with us and we'll give you an honest assessment of what recovery to expect.

Yes. Accounts can be recalled through your client portal or by contacting us directly. We return all account data and any collected funds up to the recall date, net of our contingency fee on funds already collected.

Your client portal gives you real-time visibility into every account — status, contact history, payments received, disputes filed, and downloadable reports. We believe full transparency drives better partnerships.

All disputes are handled in full compliance with FDCPA timelines. Our system automatically sends proper validation notices and pauses collection activity during dispute resolution. You're notified of every dispute in your portal.

Yes. We sign Business Associate Agreements (BAAs) with all healthcare clients. PHI is encrypted at rest (AES-256) and in transit (TLS 1.3). All access is logged with an immutable audit trail. Medical debt is a core vertical for us.