Fractional Accounts Receivable, Credit, and B2B Collections consulting for $5M–$100M companies. 35+ years across B2B receivables and payables. FDCPA Subject Matter Expert. No agency markup. No long-term lock-in.
Choose a discrete project, an ongoing fractional engagement, or a one-time audit. Every engagement begins 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 overhead of a full-time hire.
Hourly project. We attack the 60/90/120+ buckets, document every account, recover what's still collectible, and place the remainder in collections or write it off when warranted.
Build or refresh your B2B credit application, scoring matrix, credit-limit policy, and approval workflow. Fewer surprises within 90 days.
Trace the root cause of every short payment. 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 recordkeeping. 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 scorecard with coaching notes. Lifts compliance and recovery in 60 days.
Account file packaging for legal handoff: contract, signed credit application, 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 more than three and a half decades as the A/R Manager, Credit Manager, or Senior A/R Representative 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 overseeing multi-million-dollar Department of Defense receivables, and I've authored Credit and Collections policy manuals for four 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 in 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 walk 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 begins 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 respond within one business day.
Reach out by phone or email — every inquiry comes straight to me, not a sales rep.