Watch Recovery Rates Soar While Recovery Costs Drop

Outsource your secured consumer bankruptcy debt to B-Line, and we'll review every asset, track every claim, and negotiate your payment terms.

5 REASONS To Outsource Your Secured Bankruptcy Debt to B-Line 1. Increase your recovery rates 2. Lower your In-house recovery  costs 3. Reallocate resources to profitable initiatives 4. Pay us to only on recovered  accounts 5. Partner with bankruptcy recovery experts

If you're like most businesses, lost revenue from bankrupt accounts is a fact of life, despite your best efforts to file claims and return dollars to your bottom line. Give the ebb and flow of bankruptcy debt, few companies have the resources to staff recovery efforts at cost-effective levels. At B-Line, consumer bankruptcy debt is all we do, and servicing secured bankruptcy debt is one of our specialties. We understand the idiosyncrasies of the bankruptcy system, we have the time to analyze every opportunity, and we’ve invested in the infrastructure it takes to realize the highest possible recovery rates. Although your core capabilities lie elsewhere, ours never stray beyond purchasing and servicing consumer bankruptcy debt. Our Finely Honed Processes Benefit Your Bottom Line. Over the years we’ve developed, tested, and streamlined our secured debt recovery processes to add unanticipated revenue to corporate balance sheets. Because extra dollars are found in the details, we service Chapter 7 and Chapter 13 claims with extraordinary precision and care.

Proofs of Claim for Chapter 13 Secured Bankruptcy Debt:

1. Filing proofs of claim: We file every proof of claim against a secured debt accurately, on time, and according to the unique procedures of each of the nearly 100 bankruptcy courts
2. Tracking proofs of claim: We monitor and track every filing to ensure that claims have been accurately recorded in the court system until an account is liquidated
3. Reviewing payment plans: We review debtors’ payment plans to ensure that you’ll be adequately compensated and, if not, we recommend changes to the plan
4. Processing payments: Along with processing on-time payments, we track delinquent payments to recover the missing dollars due you
5. Handling objections to claims:: To protect claims from being disallowed, we file legally compelling and timely responses to objections raised by debtors
6. Monitoring for updates: Our system monitors court dockets for case updates and status changes on a daily basis, so nothing is overlooked
7. Monitoring dismissed bankruptcies: We track dismissals well into the future and re-file your proof of claim every time the debtor re-files for bankruptcy

Proofs of Claim for Chapter 7 Secured Bankruptcy Debt: /p>

For Chapter 7 claims, we use the same processes described above with equal care and attention. In addition, we handle reaffirmations, redemptions, and surrenders for Chapter 7 filings, guided by our single-minded goal of maximizing clients' recoveries.

1. Reaffirmation: In cases where debtors prefer to reaffirm their debts by working out payment arrangements, we negotiate with the debtor’s attorney to develop the best possible debt repayment levels
2. Redemption: In cases where debtors prefer to satisfy their debt with a one-time payment, we evaluate this option against both the value of the collateral and your risk of receiving nothing. If redemption represents the best recovery solution, we recommend a payment level based on your guidelines
3. Surrender: In cases where debtor offers the collateral in lieu of payment, we evaluate the proposal and recommend whether the surrender of collateral is your best option. If so, we have a national network of service providers who can liquidate any type of surrendered collateral on your behalf

We've Invested in a State-Of-The-Art Technology Platform So You Don't Have To.

Our proprietary, technology-powered platform gets much of the credit for our success in recovering secured bankruptcy debt. Over the years, we’ve poured our resources into building one of the best bankruptcy recovery platforms in the industry, giving you the benefit of automated efficiencies, industry best practices, and the highest levels of security, all without any of the development costs.

We've Used Our Own Accounts to Prove the Value of Our Service.

Since the late 1990s, we’ve serviced millions of consumer bankruptcy accounts for both our clients and ourselves. As one of the leading consumer bankruptcy debt purchasers in the United States, we’ve had to ensure that every dollar we spend to buy accounts come back to us through expert proofs of claim and financially sound reaffirmations, redemptions, and surrenders.

What Has Worked So Well for Our Own Accounts also Benefits Our Clients:

1. Credibility: Our reliable and trustworthy business practices protect your credibility and reputation throughout the bankruptcy recovery process
2. Knowledge: Our focus on bankruptcy debt keeps us up-to-date on the complex intricacies of bankruptcy law, procedures, and opportunities
3. Transparency: You maintain visibility of your account information, with full transparency into the performance of accounts at every stage of the claim
4. Compliance: You can rest assured that our processes and procedures are fully compliant with applicable federal, state, and local requirements
5. Oversight: Hands-on involvement by B-Line’s senior managers brings unmatched expertise to every claim we handle
6. Service: Our friendly, accommodating customer service emphasizes client ease and personal guidance, so you clearly understand our strategy and processes
7. Technology: Our processes are backed by state-of-the-art technologies that are continually updated to maintain a secure, agile infrastructure, which can be adapted quickly to industry trends and regulatory changes