About Us

P&L Collections LLC, dba PNL Consulting Services, has over 19 years of experience helping businesses and professionals recover what is rightfully theirs. Our approach is built on professionalism, compliance, and strategic recovery—always with your reputation in mind.

Tailored Solutions for Unique Needs

We understand that every debt, dispute, or judgment is unique, and we treat it that way. Our company is built on a foundation of knowledge, integrity, and results.

Decades of Proven Expertise

Founded in 2022, our agency is backed by nearly two decades of experience in third-party collections. We’ve helped hundreds of clients recover outstanding balances and enforce judgments using compliant, strategic, and discreet methods.

Over the years, we’ve successfully recovered millions in unpaid receivables across legal, medical, financial, and commercial sectors.

Insight-Driven Recovery

Whether you’re a business struggling with delinquent accounts or an individual seeking help with post-judgment recovery, we combine deep industry insight with modern tools to deliver tailored solutions that work.

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Meet Patricia Thorne

Founder & CEO, P&L Collections LLC dba PNL Consulting Services

P&L Collections LLC logo and slogan.

With nearly 20 years in the collections industry, I’ve worked in law firms, medical billing, and credit unions—handling credit cards, home loans, auto loans, lines of credit, and repossessions. I hold a paralegal certification and an associate degree in General Science with a focus in Business. My agency is licensed in NJ and NY and is committed to ethical, compliant, and respectful recovery solutions.

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Why Choose Us

  • Licensed & Experienced
  • Discreet & Professional
  • Customized Recovery Plans
  • Transparent Communication
  • Results-Driven

What Makes Us Different?

Unlike many collection agencies that focus solely on volume and pressure tactics, PNL Consulting Services offers a personalized, ethical, and results-driven approach. Here’s how we stand out:

  • Dual Focus: Collection & Consulting
    We don’t just chase balances—we help clients understand how to prevent delinquencies, improve internal billing practices, and enforce judgments legally and effectively. Whether you need full-service recovery or behind-the-scenes support, we tailor our work to your needs.
  • Nearly 20 Years of Industry Experience
    With roots going back to 2006, we bring a deep understanding of what works in collections and post-judgment enforcement—including credit reporting, compliance, and navigating sensitive debtor situations.
  • Small Firm Attention, Big Results
    You’re not just another account in a call center queue. You’ll work directly with an experienced professional who knows your file, your goals, and your industry. We provide fast response times, consistent follow-up, and transparent reporting.
  • Discreet and Compliant
    We protect your reputation as much as we protect your revenue. Our communications are professional, compliant, and designed to maintain your client relationships when possible—or enforce judgments when necessary.
  • Custom Solutions for Every Client
    No two clients are the same. We build recovery strategies based on your type of business, the age, and size of your accounts, and your long-term goals—not a cookie-cutter script.