Recourse.
Houston, Texas

Commercial collections for construction

The invoice isn’t going to collect itself.

We pursue unpaid commercial invoices for Texas subcontractors, suppliers, and trade contractors — including the small claims other providers turn away.

Filing a lien is the easy part. The follow-through is what most contractors never get to.

Get a free three-invoice triage
No feeunless we recover your money
No minimuma $900 claim is worth working
5 minutesto find out what yours are worth

How it works

  1. 1

    Tell us about three invoices

    Who owes, how much, how old, and whether they’re disputing anything. No documents needed to start.

  2. 2

    We triage them

    A commercial assessment: documentation, age, dispute status, collectability, and how we’d work each one. A business assessment, not legal advice.

  3. 3

    We pursue the ones worth pursuing

    Escalating written demands built around your project’s facts, with every escalation approved by you, customer by customer.

  4. 4

    You get paid, then we do

    Collected funds will be held in a segregated client trust account and remitted with a statement showing every payment received and every fee taken.

What it costs

Invoice under 90 days when placed20%
90 to 180 days25%
Over 180 days, or disputed33%
No recovery, no fee. Percentages apply to amounts actually recovered, plus Texas sales tax on the fee. No setup charge, no monthly charge, no minimum claim size, no long-term contract. If a claim needs an attorney, you engage one directly and they bill you separately — we take no share of that.

Why we’re different

Construction only

We understand retainage, pay applications, change orders, and pay-when-paid, so demands reference what actually happened on your job instead of reading like a generic past-due notice.

We take small claims

Many providers impose minimums — the ones we’ve seen start around $10,000. We don’t. Our cost to work a claim is software cost, so a $900 invoice gets the same treatment as a $90,000 one.

You stay in control

Nothing aggressive goes out to a customer you want to keep. You choose the tone, the limits, and whether we work under your name or ours.

Everything in writing

Documented, timestamped, and reportable — which is also what makes a demand credible to the person on the other end.

What we’re not

Recourse is not a law firm and does not give legal advice. We handle commercial collection activity. Questions about lien rights, bond claims, statutory deadlines, or whether to sue are legal questions — we flag them and you take them to an attorney, who engages with you directly. We take no share of anything an attorney recovers.

Founding clients

We’re opening in Houston and taking a small number of founding clients now. Founding clients lock the rates above for the life of their account, and the triage is free whether or not you ever place a claim.

Where we are today: Recourse Recovery, Inc. is being formed, with the client trust account, Texas sales-tax permit, and collection surety bond being put in place before we work our first claim. A founding agreement signed now takes effect at launch and can be cancelled any time before then, for any reason.

Get a free three-invoice triage

That link opens an email with the questions filled in. Answer what you know — documents come later, and only if you want to go further.

Who you’re dealing with

MC

Matthew Coscia founded Recourse after finding that Harris County’s own records are full of contractors who protected their claims and still never got paid. You’ll deal with him directly — every triage, every escalation decision, every report.

matt@recourserecovery.com  ·  Same-day written replies during business hours. Everything we do is documented in writing — that’s the product, not a limitation.