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Collections FAQs

Understanding the Collections Process

Things happen, and we understand that. When your business is having financial stress, and you're legitimately trying to work it out, we're here to work with you.

Communication is the key. Whether it's a phone call or email, let us know what's going on and we'll do what we can to help. It's important to keep in constant communication with Marlin in these instances so we can work together to help you get back on track. But ignoring our efforts to reach you could put your account in jeopardy.

Read on to understand the Collections process at Marlin, so you can be prepared if your business begins experiencing unexpected challenges.

  • What do I need to apply?

    Marlin’s online application is a simple application. You can apply in less than five minutes. For companies in business for fewer than five years: it is encouraged you provide the owner’s name and social security number for credit review.

  • Timeline of a Past Due Account

    Day 1: you accrue a late fee Days 5-7: you receive letter and email, and you may receive a fax reminder if we have a fax # on file for you Days 5-28: you may receive emails and phone calls regarding the amount due Day 31: Collections efforts escalate and you are now two months […]

  • Why am I in collections before my first bill?

    If you find yourself in collections before you even get started with us, please contact us immediately and we’ll do all we can to resolve the issue. Most often, accounts go to collections before the first bill due to: An unpaid Advanced Rental. Insufficient funds: when we processed your initial payment it didn’t clear your […]

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