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Who we are

"We don't want to sell to you, we want to do business with you"

- Mike Hammon 

Everyone comes from somewhere- SCJ came from the Automotive Industry.

Our president spent years in the subprime auto industry and established a set of values for how people should be treated, regardless of their account status.

These values later became the foundation of SCJ. 

Looking around at the Debt Buying and Debt Collections Industry, we saw

an opportunity to be a breath of fresh air in an industry that has a negative reputation. SCJ saw what the industry was lacking- compassion, transparency, and the ability to listen. We wanted to change that.

We strive to be different. We want you to succeed and we are here to help. 

At SCJ, we've been doing things a little differently since 2019.

Call Center Headset
Our Mission


We strive to defy the stereotypes associated with "Bad Debt". We believe debt collection doesn't need to be a negative experience. We provide companies the opportunity to get immediate capital for delinquent accounts and continue to protect their brand. We are an ethical solution for your delinquent accounts.  

Image by Ben Allan
Our Vision


It's not about a sale, it's about a relationship. We want to build a system of trust and transparency that will allow you to continue to make the most of your portfolio even after the customers stop paying. We want to see you grow, we want to help you succeed. We take care of the delinquent accounts so you can focus on generating new business. 

Image by Dylan Gillis
Our Goal


SCJ Commercial Financial Services is not your typical Debt Buying company. We are on a mission to help businesses reduce the burden of their financial obligations by taking a refreshingly different approach when it comes to commercial collections. SCJ has an internal recovery team that manages all purchased accounts and proudly partners with a network of like-minded attorneys across the country to help provide effective solutions for distressed receivables. We continue to get the job done without sacrificing our quality and integrity. 

Debt buying Reviews
"Friendly, professional group of people who are willing to work with you to get things taken care of."  

Michael I. (Google Review

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