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No retainer, no hourly meter, no "administrative charges". Our fee is a percentage of money actually recovered and remitted to you. That is the whole model — the rest of this page is the fine print, written plainly.
A 60-day-old invoice and a 3-year-old one are different files. Fresher debts recover faster and price lower; aged debts are welcome — 债越陈越香 — but priced for the work they take.
Signed contract, delivery proof and a payment trail can cut both timeline and fee. Thin files require investigation first.
Ontario is not São Paulo. Court pace, enforcement tooling and local counsel costs differ — the quote reflects the real venue, not an average.
Trading company with attachable assets, or a shell halfway to dissolution? Stage-02 investigation answers this before we name a number.
| Typical collection agency | Portage Collections | |
|---|---|---|
| Upfront payment | Retainer, "file opening" or monthly fees | None. Ever. |
| Fee basis | Charged on amounts "collected" incl. promises | Charged only on funds remitted to you |
| If recovery fails | You keep their invoice | You owe us nothing |
| Where they sue | Letters from your home country | Courts in the debtor's own jurisdiction |
| Cost transparency | "Disbursements" line items later | Costs advanced by us, itemized at closing |
| Exit | File locked for the contract term | You may withdraw after the audit at no cost |
Contingency pricing survives only if you pick files well. Our audit exists precisely for that: we accept files where the debtor is solvent and the claim is enforceable, and we decline the rest. Roughly a third of reviewed files are declined — which is exactly why the accepted ones fund the model.
The full fee mechanics, including cost advancement and the rare edge cases, are fixed in a two-page contingency agreement before we touch your file. No clause appears later that was not there when you signed.
Limitation periods tick quietly in every jurisdiction. Send us the invoice, the contract, and the debtor's name — we'll tell you within 24–48 hours whether the debt is collectible and what it would take.