FAST, ACCURATE, COST-EFFECTIVE — FAIR: you only pay on what we recover
Markets are efficient. Technology has leveled the playing field.
Tools that were out of reach years ago have allowed 1stStone Group to level the playing field and provide a fast, accurate, and cost-effective alternative in the repossession-recovery vertical. When a dealer overvalues a vehicle at the time of funding and that vehicle becomes a repossession or a total loss, we help our lender partners recover the discrepancy that occurred at funding — accurately, fast, and at a fraction of the cost of the only market solution available today.
Banks · Credit unions · Captives · Independent auto finance
Minutes
To identify the potential recoverable amount
$0
Paid until dollars are recovered
100%
Of repossession files screened
48h
From file feed to first exceptions
What we believe
Better technology is about returning more value to the people who trust us with their business.
We lead by listening — building relationships on trust and never taking a client's partnership for granted. Technology has accelerated what's possible, letting us solve problems that once took teams and months at a fraction of the cost. What used to be slow, manual, and expensive is now fast, precise, and efficient — and we pass that advantage directly to our clients. Because the point of better technology isn't just doing things faster, it's returning more value to the people who trust us with their business.
The leak
Misrepresented collateral is funded every day — and almost never recovered.
Value inflation at funding
Trim level discrepancies, options and packages that were never on the vehicle or options not available for a specific trim level drive the misrepresentation on a vehicle that did not exist.
Manual, sampled reviews
Funding teams eyeball a fraction of deals in spreadsheets. Misrepresentation is found months later, usually at repossession.
Recovery focused
Recovery and chargeback packages are driven by accurate documentation included in the package of information sent to the dealers.
How it works
From repossession file to recovered dollars, without adding headcount.
Ingest
The 1stStone Group process starts with ingesting a lender's file for all repossessions or total losses and book-outs, VIN specific — turning raw loan information documents into structured inputs that power the recovery engine.
Detect
We identify the accurate build configuration of the vehicle — VIN specific, including all trim and option detail — then compare the dealer's book-out to the correct third party valuation guide value at time of funding, surfacing the funding discrepancy that drives recovery.
Document
Each discrepancy is packaged into an evidence file your compliance, dealer-services and loss-mitigation teams can defend. This package is mailed to dealers with clear remittance instructions and a contact for additional follow-up.
Collect
Our recovery team works with the dealers directly, preserves the relationship, and reconciles weekly for a faster turn on recoverable dollars received.
The platform
A solution lenders understand, provided by a supplier they respect.
We harness leading-edge technology to do in seconds what once took teams and days to complete. The technology engine today has accelerated what is possible versus the impossible several years ago.
Legacy workflow relief
Built for regulated lenders, with audit trails on all processes
Client focused
Fast to stand up
Contact us
Let's talk about your recovery program.
Tell us about your repossession recovery efforts and how we can help you. We have a keen understanding of this business and would be glad to provide further information on the program and company.
Email: recovery@1ststonegroup.com
For: Head of Loss-Mitigation, Fraud & Risk, Repossession and Recovery, Dealer Services