Services
The Company acts as neither a “collection agency” or “collection law firm” in
the traditional and now antiquated concepts of the roles of each. Instead the
Company acts as a “consumer debt management company” seeking
to convert essentially zero yielding debt into revenue generating
assets by utilizing creative strategies, new technologies, collection
strategies and analytics,  and cost-effective platforms to generate
returns.

The Company works closely with consumers in a ‘high touch” manner to
achieve repayment terms that reflect the economic realities of the consumer
debt. This leads to the generation of large pools of payment plans with a
variety of terms and payments amounts.  To capitalize on this revenue
source, the Company has developed a significant servicing and “consumer
counseling” operation to manage and process volumes of monthly payments.
As such, the Company essentially acts as the “back office” of a consumer
lending operation, providing the staffing, technologies and payment-
processing capabilities required handling this volume in a cost-effective and
efficient manner.

In light of the Company’s collection strategies and the “building” of
pools of payment plans, we provide superior returns to our clients on
an annualized basis.



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City Towers, 7th Floor
250 Ponce de Leon Ave
San Juan, Puerto Rico
00918


PO Box 9999
San Juan, Puerto Rico
00918


contact@leonard-law.us
FB Leonard & Co., Inc    
Leonard & Associates PSC                                        
Consumer Debt Management




"Generating
Consistent,
Increasing and
Continued Returns
from Zero and Low
Yield Assets"