Commercial collection services we provide:

written by OSblueprint
9 · 12 · 22

First, please understand that our office does not handle what are commonly known as “retail collections,” or claims against individual consumer debtors. Our specialty is in resolving disputes, and collecting commercial claims arising out of business-to-business transactions. We will be happy to recommend several excellent consumer retail collection attorneys in our area if you wish.

The Mechanics Lien law is an area that deserves an entirely separate discussion and is found in the Real Estate archive section.

For commercial collections, we certainly first contact the debtor company to see if the claim can be paid or resolved short of litigation. Clients should be aware, however, that since they have already used frustratingly unsuccessful efforts to collect the debt, a “lawyer letter” is of doubtful effect. After the one and only demand letter is not met with success, we strongly recommend you file suit at the earliest opportunity. Fees, whether on an hourly basis or as a percent of the amount collected will vary with the size of the case and we are always available to structure them to your situation.

Collection litigation takes the following form:

  1. The Petition (suit)
    a. Based on the nature of your claim, for example, but not

limited to:

Breach of contract
Implied contract
Personal Guaranty
Quantum Meruit (implied contract to pay the reasonable

value of

goods and services delivered)
Suit on open account
Promissory Note
Real Estate lease
Insurance subrogation claims
Insurance premium collection claims

  1. Discovery devices pre-trial: [the first three are utilized in almost
    every case]

a. Interrogatories served upon the debtor to elicit all defenses and admissions

b. Requests for Production of Documents served – to obtain all documentation of defenses and admissions.
c. Requests for Admissions served – to compel the debtor to admit significant facts.

d. A deposition (out of court sworn testimony) of adverse parties and witnesses to discover evidence and preserve testimony)

3, The trial
By utilizing steps 2(a) through (d) effectively, the “trial” often does not occur since the debtor has been placed in a position of
admitting enough facts to justify a settlement short of trial. If a trial is necessary, the use of steps 2(a) through (d) significantly reduce the length and cost of trial and increase the chance of success.

  1. Methods of collection of the judgment if not by consent We have access to a variety of means of discovering assets of debtors so as to satisfy a judgment. After discovering and identifying those assets, the following methods are typically effective:
    a. Garnishment against others who owe or are holding funds for the debtor.

b. Attachment of the debtor’s vehicles and foreclosure sale
c. Attachment of the debtor’s actual inventory, equipment, fixtures, etc and followed by foreclosure sale.
d. Court-ordered examination of the judgment debtor to compel disclosure of assets. (While a common tactic is for the debtor to plead the Fifth Amendment privilege to avoid testifying about assets, we have been successful in obtaining a grant of immunity by the Prosecuting Attorney that prevents invoking the privilege. Further, the Fifth Amendment Privilege does not extend to documents, so the debtor can be compelled to produce W-2 and 1099 forms, bank statements and tax returns)

Use of this Web Site and review of this Article does not create an attorney-client relationship. The law and its application by the courts is constantly evolving and changing. As with all memoranda in these archives, the discussion of the law is for general informational purposes, is in general summary form, is not to be taken as a definitive guide, and should not be relied upon to determine all fact situations. Each set of facts must be examined separately with the current case and statutory law analyzed and applied accordingly.




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Phone Number

(314) 651-1601


Service Area

Serving the Metropolitan St. Louis County, Missouri area and surrounding counties.

Law Offices of Leonard Komen, P.C. All Rights Reserved.

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