Your trusted partner in ethical debt settlement.
Welcome to Idea Strategic Management
IDEA Strategic Management is a fully licensed and bonded commercial debt collection agency, proudly serving Merchant Cash Advance (MCA) funders, business lenders, brokers, and B2B creditors. If you’re dealing with defaults, chargebacks, or clawback-triggered commission losses, we help you recover capital fast — with no upfront cost.
We proudly serve a wide range of commercial lending professionals, including MCA funders (handling everything from 1st to 6th position recoveries), alternative business lenders, and line-of-credit providers. Our services are also trusted by loan brokers, ISO partners, equipment finance companies, leasing firms, and B2B service providers with unpaid receivables. Whether you’re a direct lender or a referral-based partner, we act as an extension of your team to drive efficient, compliant recoveries.
Agency License
NYC DCWP Debt Collection Agency License #2130473-DCWP
FDCPA
FDCPA & Regulation F compliant communications
Settlement Fees
No upfront settlement fees • Transparent results-based pricing
Who We Are
At IDEA Strategic Management, we specialize in results-driven recovery solutions for commercial lenders and brokers operating in high-risk environments. Our team understands the fast-paced, high-volume nature of merchant cash advance and business funding. We don’t just collect debt — we strategically recover revenue while protecting your brand and borrower relationships.
Our background spans alternative lending, MCA underwriting, commercial risk assessment, and skip tracing, giving us the insider insight needed to locate debtors, structure recovery options, and maximize repayment.
We serve as a true extension of your operations, offering seamless debt placement, white-labeled communications (if desired), and clear, timely reporting.
Whether you’re a direct funder, ISO, broker, or B2B vendor, we’re built to help you increase your recovery rates, reduce losses, and free up your internal teams.
Idea Strategic Management is a fully licensed debt settlement and collection agency dedicated to resolving debts efficiently and ethically. We work exclusively with third-party debt collectors to negotiate settlements that are fair, compliant, and beneficial for all parties involved.
Our founder, Idea Strategic Management, is a licensed debt collector with years of experience in the financial recovery industry. Our team understands the complexities of debt collection laws and ensures that all negotiations are handled with respect, confidentiality, and professionalism.
Our Mission
Our mission is to deliver clear, compliant, and ethical debt recovery solutions that maximize returns for our lender partners while upholding the highest standards of professionalism and regulatory integrity.
Our Values
Integrity
We operate with transparency and respect.
Compliance
We follow all state and federal collection laws.
Professionalism
Every case is handled with care and confidentiality.
Results
We aim for practical, fair settlements that work.
Our Services
Our Services
Debt Settlement
As a licensed commercial collection agency, we work on behalf of lenders, MCA funders, and B2B creditors to negotiate and recover defaulted balances through structured settlements and repayment agreements.
Our goal is to maximize recovery while preserving borrower relationships, especially in high-risk or sensitive accounts. We handle all communication, negotiation, and documentation — ensuring full compliance with FDCPA and commercial debt collection laws.
We don’t just chase payments — we deliver strategic recovery outcomes that support your business goals.
Debt Validation and Compliance
We assist lenders by verifying the legitimacy and enforceability of outstanding debts before initiating the recovery process. Our team conducts thorough documentation reviews to ensure each claim is accurately validated, compliant, and collectible under applicable laws.
This step protects your business from disputes, strengthens recovery efforts, and ensures all communications and collections are backed by proper legal foundation.
Compliance and Documentation
IDEA Strategic Management operates as a fully licensed and bonded commercial debt collection agency, in strict compliance with the Fair Debt Collection Practices Act (FDCPA), state-specific regulations, and all applicable commercial recovery laws.
We maintain comprehensive documentation of every communication, file update, and recovery attempt to ensure full transparency, regulatory compliance, and legal protection for our lender and broker partners.
Consulting for Debt Recovery
We partner with lenders, brokers, and commercial creditors to provide expert guidance on collection workflows, dispute resolution, and settlement structuring. Our team consults on compliance-driven recovery strategies designed to increase collections while minimizing legal exposure.
From clawback scenarios to multi-position MCA defaults, we help funding companies streamline their recovery processes and improve portfolio performance.
Our Collection Process
Account Review & Compliance Check
Every account undergoes a full compliance and documentation review prior to any borrower contact, ensuring all recovery efforts are legally sound and properly substantiated.
Validation & Lawful Outreach
All required notices are delivered in full compliance with the FDCPA and Regulation F, and all borrower communications are conducted in strict alignment with federal and state collection laws.
Resolution Strategy
When appropriate, we engage borrowers through structured payment plans, negotiated settlements, or alternative resolution strategies to maximize recovery while maintaining professionalism.
Disbursement & Reporting
Recovered funds are remitted promptly, accompanied by detailed reporting and full transparency throughout the recovery process.