Fractional Accounts Receivable, Credit, and B2B Collections consulting for $5M–$100M companies. 25+ years in the trenches. FDCPA Subject Matter Expert. No agency markup. No long-term lock-in.
Pick a discrete project, an ongoing fractional engagement, or a one-time audit. Every engagement starts with the same free 30-minute call.
Monthly retainer. I run your A/R function 8–15 hours a week — aging review, escalations, weekly KPI report — without the cost of a full-time hire.
Hourly project. We attack the 60/90/120+ buckets, document each account, recover what's recoverable, and place or write off what isn't.
Build or refresh your B2B credit application, scoring matrix, credit limits policy, and approval workflow. Fewer surprises in 90 days.
Root-cause why customers are short-paying. Fix the upstream issue. Stop bleeding cash to "deductions" that nobody actually approved.
Plain-English compliance review of your call scripts, dunning letters, validation notices, and tracking. Find your gaps before a regulator does.
Written Credit Policy, Collections Policy, Cash Application SOP, and Pre-Litigation Playbook — tailored to your business and your ERP.
Half-day or 4-week training on B2B collection techniques, FDCPA fundamentals, PTP discipline, and call documentation. Recordings included.
I listen to a sample of your collectors' calls each week and deliver a scored sheet with coaching notes. Lifts compliance and recovery in 60 days.
Account file packaging for legal handoff: contract, signed credit app, statement, demand history, payment history, communication log. Ready in 5 business days.
Decide which accounts to place, when, with whom, and at what contingency rate. I do not take an agency markup — your placement is direct.
I'm T.J. Murphy Jr., founder of Pristine Operations LLC — a Michigan limited liability company formed January 1, 2020. Before founding the firm, I spent two and a half decades as the A/R Manager, Credit Manager, or Senior A/R Rep at companies including Virginia Tile, Alex Brands, Guardian Protection, Asset Acceptance, and Amcor.
I'm a subject matter expert in the Fair Debt Collection Practices Act, I've held a Federal Government clearance managing multi-million-dollar Department of Defense receivables, and I've authored Credit and Collections policy manuals at four different companies.
Today I'm the outside expert finance leaders at $5M–$100M B2B companies bring in when their aging report has a problem they can't solve in-house. The firm's first retained client (Security Force, Inc.) has been with me since 2020.
The same Excel workbook I use inside real consulting engagements. No email gate, no upsell. Use it tomorrow.
No long discovery decks. No "phase zero" invoice. We start with a real conversation about a real aging report.
Bring your aging report. We talk through the top 10 problem accounts and what a fix would actually look like.
One-page proposal: scope, timeline, deliverables, fixed fee or hourly rate. Sent within 48 hours of the call.
NDA + signed engagement letter. ERP read access. Weekly cadence and reporting set up. Work starts within 5 business days.
Weekly KPI report, monthly executive summary, written deliverables. You see exactly what was worked, recovered, escalated, or written off.
Tell me what's stuck and what you've already tried. I'll come back within one business day.
Reach out by phone or email — every inquiry comes straight to me, not a sales rep.