Who Are We?

Founded in 1943, SB&C Ltd. has been serving the collection needs of Puget Sound businesses for over 62 years. We handle all types of accounts, including retail, commercial, medical, check recovery, and government accounts for clients throughout Skagit, Island, Whatcom, San Juan, and Snohomish counties. We provide customized loss prevention and recovery solutions that meet the unique needs of your company. Service, solutions, performance. Those are the words that define who we are. Over the years, our efforts have earned us above average industry results and a long list of satisfied clients.

OUR GUARANTEE: NO COLLECTION, NO CHARGE.

It's as simple as that. With SB&C, Ltd., you get results, or you don't pay. While that policy may not be unique, our approach to loss prevention and recovery is. That's why our clients enjoy better collection results, better service, and ultimately a higher level of satisfaction. Guaranteed!

A Team Of Seasoned Professionals

Our reputation as a leader in loss prevention and recovery, is a result of the experience of our people. Our staff includes experienced collectors, as well as legal specialists, customer service representatives, and a dedicated staff, all working toward quick, effective recovery for you. Should an account require legal action, we have a network of attorneys who are familiar with collecting through the legal process. Our collectors are top notch, ACA certified, and always professional in their approach. Their expertise and efficiency guarantee successful results, while allowing you to remain focused on your profitable customers. At the same time, our customer service staff is dedicated to providing you with the highest level of personal service every step of the way.

Unique Needs, Unique Solutions

Just as no two accounts are alike, no two businesses are either. Whatever your account problems, we get results by offering customized recovery strategies and solutions tailored from an active understanding of your business' needs. Our approach to recovery is pro-active, not just reactive. While other collection agencies aim solely to recover your losses, we emphasize loss prevention as well as recovery. We offer our clients loss prevention consultation services, including seminars for training in-house personnel. After all, maintaining sound collection procedures from the start can help avoid losses in the first place.

We Take The Worry Out of Legal Action

While the majority of accounts don't require legal action, there are times when the only way to effectively collect is to deal with an account legally. When should you take an account to court? How do you file? Who do you talk to? What will it cost? Those are all questions you no longer have to worry about. We maintain a network of attorneys who are experienced in collecting past-due accounts through the legal process and we handle all necessary legal action on your behalf. From preparation of legal documents to final judgment and execution, our attorneys take care of all account litigation so you don't have to. What's more, YOU DON'T PAY LEGAL FEES, even if the debtor doesn't pay! After the judgment is obtained, we will file liens, attach assets and issue garnishments to collect your money.

Reporting That Meets Your Needs

Keeping our clients informed is a top priority at SB&C, Ltd. Over the years, we've developed a sophisticated reporting system that allows current status and progress reports on each account. Weekly, monthly, or quarterly, our system gives us the flexibility to provide you with as much, or as little, reporting as your business require. What's more, our reports can be tailored to include specific information that could help you manage your collections, - and ultimately your business - better!

Technology That Makes A Difference

In today's technologically driven world, keeping up with the latest technology can mean the difference between being an industry leader and falling by the wayside. At SB&C, Ltd., the latest technology is what drives our recovery efforts. Whether you're talking about predictive dialing, smart dialing, scoring, EDI, or other advancements, our technology is the key to providing you with the most efficient and effective collection process possible. What's more, our database is extensive - it's the largest in the region - giving us access to a large variety of public and private sources to help track down even hard-to-find debtors.

Don't Put It Off

The longer you wait, the harder it is to collect! Statistics show that the longer an account remains unpaid, the less likely you are to ever recover it. If you're seeing signs of a problem account, your best chance for recovery is to turn it over to a qualified collection agency as soon as possible. Once your account is assigned to us, you rarely need to give it another thought. Throughout the process, our customer service staff stays in touch to ensure our service is continuing to meet your needs and objectives.

Getting Started Is Easy

Getting started with SB&C, Ltd. is easy. The whole process can be done by telephone, by mail, or even by computer. A quick call to our office can answer your questions, or set up a personal presentation of our services. There are no dues, no listing fees, and no charges for account set-up. We offer FREE final demand notices, and should litigation become necessary, you don't pay out-of-pocket legal and attorney fees. Accounts are accepted on a commission basis. At SB&C, Ltd., we guarantee results. No collection, no charge. It's as simple as that. Let us help you improve your recovery and prevent future losses. Give us a call today at (360) 336-3116.