SquadFin Resolve vs collection agencies

Collection agencies take accounts off your hands. Resolve keeps them in your hands — with private links, respectful messages and follow-up sequences — so you can recover what you're owed before (or instead of) escalating.

Choose SquadFin Resolve if: You want to keep the customer or client relationship. You can't or won't share personal or confidential data with another company. You'd rather pay a flat plan than give up a share of what's recovered.

Choose collection agencies if: You've decided to stop working with the customer. You want someone else to take over contact entirely, including legal steps.

Last reviewed October 2026.

• Who contacts the customer: SquadFin Resolve — You, from your own email or phone; Collection agencies — The agency, on your behalf
• How you pay: SquadFin Resolve — Flat monthly plan, free for 3 active links; Collection agencies — Usually a share of what's recovered, or fees per account
• Customer personal data: SquadFin Resolve — Never entered into SquadFin; Collection agencies — Handed over to the agency
• The relationship: SquadFin Resolve — Intact — you stayed in control of every message; Collection agencies — Often strained once an account is sent to collections
• Tone of contact: SquadFin Resolve — Warm, professional or firm — you choose and review every message; Collection agencies — Set by the agency
• Credit reporting: SquadFin Resolve — Never; Collection agencies — Some agencies report to credit bureaus
• Best for: SquadFin Resolve — Balances you still want to resolve directly; Collection agencies — Accounts you've decided to hand over completely

Questions

Is Resolve a collection agency?

No. Resolve never contacts anyone on your behalf, doesn't collect payments and doesn't report to credit bureaus. It gives you private links and messages to follow up yourself.

Can I use Resolve and an agency?

Yes. Many businesses use a respectful direct follow-up first and only escalate the accounts that don't respond.