Established in 2004 and with over a 2000% growth rate in the last five years, P&B Capital has established itself as one of our nation’s most highly respected and successful mid-sized accounts receivable management providers. Fully licensed, bonded and properly insured in all 50 states, our company is a proud member in good standing with the ACA, DBA & NARCA organizations, and are long time leaders in the crusade to promote professional behavior and ethical conduct within our collections community. Our model, and one of the main reasons for our chart topping liquidation rates, stems from a proprietary inventory management tool driven by a complex scoring and stratification process which incorporates real-time data via ODBC. This directs files through multiple levels of work effort segmentation and insures the highest possible level of account penetration on each file. We service a variety of clients including 1st party creditors, debt buyers and niche markets and collect on nearly all types of asset classes. Located in historic Buffalo and part of the sweeping revitalization making over the downtown area, P&B was named as “Small Business of the Year” for 2008 by Bank of America and received the” Certificate of Merit” from the NY State Assembly for our contributions to the community of Western NY. Our employees frequently donate their time, effort and financial support at events for the Cancer Center at Roswell Park, Race for the Cure, Hospice, and the American Soldier Fund.