Top Collections Agencies in the United States
Collections agencies in the United States help businesses recover past-due accounts while protecting brand reputation and staying compliant with federal and state laws. From New York’s financial sector and Silicon Valley’s tech ecosystem to healthcare hubs in Nashville and the Midwest’s manufacturing base, U.S. agencies bring domain depth, bilingual support, and litigation networks across state lines.
Clutch makes it easier to choose with verified client reviews, case studies, and detailed service profiles you can filter by budget, industry, location, and engagement model (consumer, commercial, early-out, legal). Compare portfolios, recovery metrics, and compliance standards (FDCPA, Reg F, SOC 2) to find the right fit faster. Explore related directories to start shortlisting:
• Collections Agencies in New York
• Collections Agencies in Los Angeles
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$5,000+< $25 / hr1,000 - 9,999Lexington, KY
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See all 47 projectsHelpware CX is a company specializing in Contact Center Services, providing comprehensive customer support solutions across various industries, including e-commerce, software, and government programs. Reviews highlight an impressive 100% satisfaction with their adaptability and ability to scale services efficiently. Notably, 83% of reviewers commend Helpware's exceptional customer service and responsive project management.
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$5,000+< $25 / hr250 - 999Miami Beach, FL
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See all 35 projectsUassist.ME is a versatile Customer Support Services provider specializing in Contact Center Services, including telephonic support, customer care, and call handling. Clients laud their effective communication, quality candidates, and project management skills, with approximately 80% highlighting their ability to enhance business operations. Uassist.ME is noted for its bilingual capabilities and cost-effective, dependable service, though centralized training improvements are suggested by some.
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$1,000+< $25 / hr50 - 249Berkeley, CA
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See all 36 projectsWing Assistant is a provider of Customer Support Services, excelling in areas such as call handling, telephonic support, and customer care services. The company is praised across reviews for its seamless integration, excellent project management, and high performance, with a call answer rate consistently above 95%. Approximately 67% of reviewers highlight their professional dedication and exceptional customer service. However, one review suggests more involvement in the employee selection process.
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$1,000+< $25 / hr50 - 249Great Neck Plaza, NY
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See all 38 projectsThe Hour - Back Office and Virtual Assistant Services is a company specializing in providing a range of administrative, accounting, and operational support services. Overall, the reviews are overwhelmingly positive, with 100% of clients praising their reliability, accuracy, and responsiveness. Approximately 50% of reviewers specifically highlighted the company's ability to improve organization and efficiency in their operations.
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$1,000+Undisclosed50 - 249Philadelphia, PA
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See all 72 projectsTop Virtual Assistant is a company specializing in Contact Center Services and Customer Support Services, providing solutions such as Inbound and Outbound Call Center management. Reviews highlight their professional and flexible approach, with over 85% of feedback noting improved customer response times and satisfaction. Their ability to integrate seamlessly with clients' existing systems and processes is frequently praised, enhancing efficiency across various industries.
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$1,000+Undisclosed1,000 - 9,999New York, NY
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See all 54 projectsAppointment Setter Online is a company specializing in outbound and inbound call center services, including appointment setting, prospect outreach, and lead qualification. Across their reviews, clients have praised their professionalism, consistency, and ability to deliver high-quality, sales-ready appointments, with nearly 100% positive feedback. Approximately 80% of reviewers highlighted their effective project management and responsiveness, contributing to improved sales pipelines and conversion rates.
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$5,000+< $25 / hr1,000 - 9,999Dallas, TX
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See all 3 projectsAfrishore BPO is a business process outsourcing company specializing in lead generation, customer service, and back-office functions. Across their reviews, clients consistently praise their professionalism, timely delivery, and alignment with company values, with 100% reporting satisfaction and no areas for improvement. Approximately 67% of reviews highlight their excellent project management and communication skills.
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$5,000+< $25 / hr1,000 - 9,999New York, NY
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See all 5 projectsHoratio is a customer service outsourcing company that excels in building and managing customer success infrastructures for businesses. Across their reviews, Horatio is praised for their adaptability, effective project management, and proactive communication. Approximately 100% of reviewers noted their responsiveness and integration as part of their teams. Reviewers appreciate their exceptional service and the positive work environment they provide for their employees.
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$1,000+< $25 / hr1,000 - 9,999Chicago, IL
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See all 28 projectsHugo Inc. | Top CX Provider is a distinguished company specializing in Contact Center Services, offering comprehensive Customer Support Services across various channels such as email, chat, and phone. The client reviews highlight their adaptability and efficiency, with 100% positive feedback on their seamless integration and ability to enhance customer engagement capabilities, resulting in impressive metrics like a 99.8% accuracy in order processing and fulfillment.
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$5,000+Undisclosed10 - 49Addison, TX
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See all 1 projectsSouthwest Recovery Services is a company specializing in Contact Center Services, particularly focusing on collections and customer care. They effectively manage overdue accounts and negotiate payments with a high success rate of 50%. Reviewers consistently highlight their impressive performance and valuable service, with no identified areas for improvement.
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$5,000+< $25 / hr10 - 49Miami, FL
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See all 5 projectsCloud Sourcing is a contact center services provider specializing in inbound call center and outbound call center solutions. They received positive feedback for their efficient management and ability to enhance sales and operations, with 100% of reviewers highlighting on-time delivery and significant output improvements. Their competitive pricing and exceptional talent are notably appreciated.
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$5,000+$25 - $49 / hr10 - 49Sheridan, WY
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See all 1 projectsSocobee provides comprehensive IT support and back-office services. Reviews highlight their efficient intake process, dedicated teams for each department, and effective project management. Clients appreciate the breadth of services offered and seamless communication, indicating high satisfaction with their professional approach and capabilities.
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$1,000+< $25 / hr50 - 249San Diego, CA
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See all 60 projectsCallZent specializes in comprehensive Contact Center Services, including inbound and outbound call handling and customer care services. Their reviews highlight a commendable performance in enhancing customer satisfaction, reducing response times, and providing efficient technical support. An impressive 100% of reviewers noted their professionalism, adaptability, and seamless integration with client operations. These attributes contribute to CallZent’s reputation as a trusted and reliable partner in customer service management.
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$100,000+< $25 / hr1,000 - 9,999San Diego, CA
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Call Center Services International, a telephone answering service, is based in San Diego, California and Tijuana, Mexico. They focus on Call Center Services and Customer Service Outsourcing.
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$50,000+Undisclosed1,000 - 9,999Margate, FL
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See all 9 projectsGlobal Response is a company specializing in Contact Center Services, offering comprehensive Customer Support and Inbound Call Center solutions. Reviews indicate highly responsive and attentive service, with 100% of clients commending their customer care capabilities and strategic partnership approach. Their ability to save clients substantial time and costs is repeatedly highlighted, although some suggest enhancements in technology for improved service delivery.
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$50,000+< $25 / hr1,000 - 9,999Duluth, GA
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See all 7 projectsSolvo Global is a company specializing in Contact Center Services, providing comprehensive solutions such as Customer Support Services and executive administrative support. Their exceptional professionalism and well-structured processes have impressed clients, with 100% of reviews highlighting effective communication and a proactive approach. All reviewers commend their ability to exceed expectations and enhance business operations through well-documented processes and efficient staff management.
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UndisclosedUndisclosed250 - 999Houston, TX
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See all 6 projectsOnQ Global is a distinguished provider specializing in Contact Center Services and Customer Support Services, offering a comprehensive range of solutions, including Inbound and Outbound Call Center operations and Customer Care Services. The feedback from reviews is overwhelmingly positive, with approximately 98% of reviewers noting impressive work quality and efficient project management. They are praised for their exceptional customer service, rapid onboarding, and seamless integration with clients' processes.
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UndisclosedUndisclosed250 - 999Chicago, IL
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See all 1 projectsLiveAdmins offers Contact Center Services and specializes in Customer Support Services, providing real-person interaction for website chat solutions. Clients appreciate their responsiveness and effective communication, with 100% positive feedback highlighting their timely project delivery and ease of reaching support representatives, underscoring their commitment to quality telephonic support and customer care services.
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$1,000+< $25 / hr250 - 999Jefferson City, MO
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See all 1 projectsGroupOne is a service provider specializing in Contact Center and Customer Support Services, particularly in medical billing. Feedback indicates that 75% of the workload is alleviated for clients, saving 20 man-hours monthly. While users find the service easy to utilize, there is room for improvement in reporting capabilities.
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$1,000+< $25 / hr250 - 999Princeton, NJ
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See all 28 projectsExpress Virtual Assistant is a customer service center specializing in call handling and telephonic support services. They are consistently praised for professionalism and reliability, with 100% positive feedback highlighting their effective project management and communication. Approximately 60% of reviewers commend their ability to integrate seamlessly into existing workflows, enhancing operational efficiency and customer satisfaction.
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$1,000+< $25 / hr50 - 249Sheridan, WY
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See all 1 projectsVirtualCare Assistants is a healthcare support service company specializing in managing phone calls and remote patient monitoring (RPM) for medical practices. Reviews reflect a 100% satisfaction rate with their professionalism, effective communication, and ability to exceed expectations. The company's responsiveness and alignment with client needs are frequently praised, with no areas for improvement identified.
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$1,000+< $25 / hr10 - 49Baltimore, MD
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See all 3 projectsRemSource is a company specializing in Contact Center Services, providing comprehensive phone support and call handling. The overall feedback from clients is positive, with 100% praising their professional customer service and effective communication. Clients appreciate their efficiency and commitment to customer care, though some note a desire for improved consistency across operators.
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$1,000+$100 - $149 / hr50 - 249Arlington, VA
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See all 7 projectsSalaria Sales Solutions is a business development sales support firm specializing in lead generation, appointment setting, and outbound sales engine management. The company has received overwhelmingly positive feedback from reviewers, with clients highlighting their professionalism, proactive communication, and ability to exceed expectations in generating qualified leads. Notably, 100% of reviewers emphasize their effective project management and adaptability, leading to significant improvements in sales pipelines and business growth.
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$1,000+< $25 / hr250 - 999South Jordan, UT
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See all 1 projectsAdvancedMD is a company specializing in back-office services, including Call Center and Customer Support Services. Reviews highlight their ability to deliver organized, efficient service that reduces client workload and stress, with consistently favorable results. Approximately 100% of reviewers commend their capability to enhance workflow and create a comforting work atmosphere.
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$1,000+< $25 / hr10 - 49Sycamore, IL
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See all 2 projectsRozlin Financial Group, Inc. is a debt collection agency that specializes in collecting uncollectable accounts for various businesses. Across their reviews, clients commend their high collection success rate, efficient communication, and responsiveness. Approximately 100% of reviewers noted positive outcomes in collection efforts, with suggestions for improvement mainly focusing on the need for more accessible online reporting tools.
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$25,000+< $25 / hr50 - 249Lehi, UT
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See all 1 projectsBoomsourcing is a company specializing in Contact Center Services, including both Inbound and Outbound Call Center operations and Telemarketing Services. Reviews highlight their effective lead generation and customer support services, resulting in a 120% improvement in lead qualification and an 85% increase in sales. Clients appreciate their engagement and alignment with company values, with 100% positive feedback regarding their performance and project management.
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$1,000+< $25 / hr1,000 - 9,999Clovis, NM
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See all 2 projectsYour Service VA is a virtual assistance company specializing in appointment scheduling services. According to feedback, 100% of reviewers, including an executive from American Mane, report satisfaction with their timely delivery and value for cost. The company is praised for meeting expectations and maintaining effective communication through email and messaging apps.
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$1,000+Undisclosed10 - 49Falls Church, VA
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See all 6 projectsBay Business Group specializes in providing Contact Center Services, including Inbound and Outbound Call Center solutions. Customer reviews highlight their efficiency, as they help companies save approximately $18,000 monthly by fulfilling around 35% of their workload. The company is praised for understanding client needs, with 100% of feedback being positive and no areas identified for improvement.
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Undisclosed< $25 / hr2 - 9Miami, FL
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See all 1 projectsVirtual Receptionist Pro is a call center service provider specializing in inbound call handling and customer support services. Reviewers consistently praise their professional communication and timely response, with 100% noting improvements in managing call volumes. Clients appreciate their effective call filtering, allowing businesses to focus on core tasks. Pricing and alignment of company values are also highlighted as positive aspects.
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$1,000+< $25 / hr10 - 49Phoenix, AZ
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See all 3 projectsRemote Ops Solutions offers Customer Support Services, specifically focusing on procurement, fulfillment, and operational finance management. The overall feedback highlights their ability to meet or exceed expectations, demonstrating impressive communication and responsiveness. Clients appreciate their alignment with company values and the value provided for cost, with no areas identified for improvement.
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$1,000+< $25 / hr50 - 249Sheridan, WY
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See all 1 projectsServixer, LLC is a transcription and quality assurance company known for delivering top-notch and accurate transcriptions. With a focus on excellence and attention to detail, 100% of reviewers praised their timely delivery and adherence to project requirements, noting no areas for improvement. Their commitment to quality ensures successful partnerships with their clients.
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$1,000+Undisclosed10 - 49Irvine, CA
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See all 1 projectsHelpt provides Contact Center Services, specializing in Customer Support Services, including after-hours Phone Support and Call Handling. Clients appreciate their effective call screening, with 90% of non-emergency calls being managed efficiently. Reviews highlight their professionalism, timely response, and positive culture, with no noted areas for improvement, indicating a strong customer service ethos.
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Undisclosed$25 - $49 / hr250 - 999Roswell, GA
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See all 1 projectsBELAY offers bookkeeping services, specializing in supporting clients through contracted professionals. Overall feedback indicates significant dissatisfaction with their services, particularly regarding the handling of multi-unit restaurant chain accounts. Clients report issues with data accuracy, unresponsiveness, and perceived negligence, leading to increased costs and time-consuming rectifications.
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$50,000+< $25 / hr50 - 249San Jose, CA
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See all 1 projectsSuccessLink Outsourcing is a company specializing in financial management and property management support services. The overall feedback from client reviews is overwhelmingly positive, with 100% of reviewers highlighting their exceptional organization, technical proficiency, and reliability. Clients particularly commend their impressive communication and execution skills.
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$1,000+< $25 / hr50 - 249Sheridan, WY
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See all 2 projectsPrimary BPO is a company specializing in Contact Center Services and Customer Support Services, offering solutions such as inbound and outbound call handling, billing, and telephonic support. The majority of reviewers, approximately 80%, praise their efficient project management, timely delivery, and good value for cost. However, some suggest improvements in communication consistency with clients and medical experience of agents.
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$1,000+< $25 / hr50 - 249Oak Brook, IL
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See all 2 projectsNCC is a specialized provider of Contact Center Services, focusing on outbound call operations such as bill collection and appointment setting. Clients frequently highlight their satisfaction with NCC's secure and efficient tools, leading to significant cost savings and increased profits. Approximately 100% of reviews mention high satisfaction with service quality, although some suggest improvements in global presence and pricing.
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$10,000+Undisclosed250 - 999North Charleston, SC
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See all 2 projectsSales Focus Inc. specializes in improving customer retention and maximizing sales for diverse industries. Their services include client interaction in multiple languages and redirecting inquiries effectively, contributing to enhanced customer demographics and increased sales. Reviews consistently highlight their impressive communication skills and proactive approach, demonstrating effective service retention and sales growth, earning recognition for their go-getter attitude and skillful execution.
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UndisclosedUndisclosed2 - 9Las Vegas, NV
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See all 2 projectsVinsiAI is a Contact Center Services provider specializing in Customer Support Services, utilizing AI to handle call volumes and customer service tasks efficiently. Across reviews, 100% of clients highlight VinsiAI's impressive responsiveness and cost-effective solutions, with notable praise for their natural-sounding voice technology and seamless setup process.
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$1,000+Undisclosed50 - 249Spring Valley, NY
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See all 1 projectsBBB A+ Rated Debt Collection Agency. Proven Results with a Positive Approach. Fair Capital is a full-service debt collection agency with a standard of excellence to collect your delinquent accounts
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$1,000+< $25 / hr1,000 - 9,999Nacogdoches, TX
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In Nacogdoches, Texas and Lufkin, Texas, Etech is a phone answering service. Their services include Call Center Services and Customer Service Outsourcing.
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$1,000+< $25 / hr250 - 999Philadelphia, PA
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PRWTech is a call center in Philadelphia, Pennsylvania and Washington, District of Columbia. The team provides Call Center Services and Back Office Outsourcing.
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$1,000+< $25 / hr1,000 - 9,999El Paso, TX
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Datamark, a Finance & Accounting Outsourcing (FAO) company, was established in 1989. The agency provides Finance & Accounting Outsourcing (FAO) and Call Center Services.
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UndisclosedUndisclosed10 - 49Stamford, CT
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Founded in 1998, Statlinx is a small call center. Their services include Call Center Services and Back Office Outsourcing.
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UndisclosedUndisclosed1,000 - 9,999Winchester, VA
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Centro is a HR Outsourcing company. The Winchester, Virginia-based firm specializes in HR Outsourcing and Call Center Services.
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UndisclosedUndisclosed50 - 249Itasca, IL
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Brown & Joseph, a phone answering service, was launched in 1996. They specializes in Call Center Services and Custom Software Development.
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UndisclosedUndisclosed250 - 999Fort Worth, TX
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Touchstone Communications is a phone answering service. The team is headquartered in Fort Worth, Texas and Islamabad, Pakistan, and their services include Call Center Services and Transcription.
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$1,000+< $25 / hr1,000 - 9,999New York, NY
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Launched in 2007, SunKnowledge Inc. Is a Back Office Outsourcing company. The firm offers Back Office Outsourcing and Call Center Services.
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$1,000+$25 - $49 / hr1,000 - 9,999Renton, WA
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Bellmedex is a Customer Service Outsourcing company established in 2013. The large team provides Customer Service Outsourcing and Back Office Outsourcing.
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$1,000+$25 - $49 / hr1,000 - 9,999McKinney, TX
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Headquartered in McKinney, Texas, Eminence RCM is a large Customer Service Outsourcing company. The team offers Customer Service Outsourcing and Back Office Outsourcing.
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$1,000+$25 - $49 / hr50 - 249Melbourne, FL
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Founded in 2012, Magellan Solutions USA is a midsize Melbourne, Florida-based call center company. Their services include Call Center Services and Back Office Outsourcing.
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List of the Top 15 United States Debt Collection Services
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$5,000+< $25 / hr1,000 - 9,999Lexington, KY
Ability to deliver
36.5/40.016.8/20 Reviews10/10 Clients & Experience9.7/10 Market PresenceService focus
20% Call Center Services50% Collections Recovery Services80% Other -
$1,000+< $25 / hr1,000 - 9,999Chicago, IL
Ability to deliver
35.5/40.016.6/20 Reviews9.4/10 Clients & Experience9.5/10 Market PresenceService focus
20% Call Center Services20% Collections Recovery Services80% Other -
$50,000+Undisclosed1,000 - 9,999Margate, FL
Ability to deliver
31.2/40.014.6/20 Reviews6.9/10 Clients & Experience9.7/10 Market PresenceService focus
20% Call Center Services30% Collections Recovery Services80% Other -
$5,000+< $25 / hr250 - 999Miami Beach, FL
Ability to deliver
33.1/40.016.2/20 Reviews9.6/10 Clients & Experience7.2/10 Market PresenceService focus
10% Call Center Services45% Collections Recovery Services90% Other -
$50,000+< $25 / hr1,000 - 9,999Duluth, GA
Ability to deliver
30.3/40.016.2/20 Reviews8.7/10 Clients & Experience5.4/10 Market PresenceService focus
15% Call Center Services25% Collections Recovery Services85% Other -
$1,000+< $25 / hr50 - 249Berkeley, CA
Ability to deliver
35.4/40.017.2/20 Reviews9.2/10 Clients & Experience9/10 Market PresenceService focus
20% Call Center Services20% Collections Recovery Services80% Other -
UndisclosedUndisclosed250 - 999Houston, TX
Ability to deliver
24.1/40.016.6/20 Reviews1.8/10 Clients & Experience5.8/10 Market PresenceService focus
40% Call Center Services100% Collections Recovery Services60% Other -
UndisclosedUndisclosed250 - 999Chicago, IL
Ability to deliver
27.2/40.016.4/20 Reviews5.1/10 Clients & Experience5.7/10 Market PresenceService focus
25% Call Center Services25% Collections Recovery Services75% Other -
$1,000+< $25 / hr250 - 999Jefferson City, MO
Ability to deliver
25/40.013/20 Reviews3.5/10 Clients & Experience8.5/10 Market PresenceService focus
25% Call Center Services50% Collections Recovery Services75% Other -
$5,000+Undisclosed10 - 49Addison, TX
Ability to deliver
24.3/40.016.6/20 Reviews0/10 Clients & Experience7.7/10 Market PresenceService focus
50% Call Center Services100% Collections Recovery Services50% Other -
$1,000+< $25 / hr250 - 999Princeton, NJ
Ability to deliver
23.7/40.018.4/20 Reviews0/10 Clients & Experience5.3/10 Market PresenceService focus
50% Call Center Services30% Collections Recovery Services50% Other -
$1,000+< $25 / hr50 - 249Sheridan, WY
Ability to deliver
22.3/40.017/20 Reviews0/10 Clients & Experience5.3/10 Market PresenceService focus
25% Call Center Services100% Collections Recovery Services75% Other -
$1,000+< $25 / hr10 - 49Baltimore, MD
Ability to deliver
28.3/40.015.2/20 Reviews4.6/10 Clients & Experience8.6/10 Market PresenceService focus
10% Call Center Services25% Collections Recovery Services90% Other -
$1,000+$100 - $149 / hr50 - 249Arlington, VA
Ability to deliver
25.5/40.018.4/20 Reviews1.8/10 Clients & Experience5.4/10 Market PresenceService focus
25% Call Center Services25% Collections Recovery Services75% Other -
$1,000+< $25 / hr250 - 999South Jordan, UT
Ability to deliver
22.4/40.016.2/20 Reviews6.2/10 Clients & Experience0/10 Market PresenceService focus
15% Call Center Services50% Collections Recovery Services85% Other -
$5,000+< $25 / hr10 - 49Miami, FL
Ability to deliver
21.6/40.017.6/20 Reviews0/10 Clients & Experience4/10 Market PresenceService focus
40% Call Center Services50% Collections Recovery Services60% Other -
$1,000+< $25 / hr10 - 49Sycamore, IL
Ability to deliver
19.7/40.013/20 Reviews1.8/10 Clients & Experience4.9/10 Market PresenceService focus
45% Call Center Services100% Collections Recovery Services55% Other -
$25,000+< $25 / hr50 - 249Lehi, UT
Ability to deliver
24.2/40.016.6/20 Reviews0/10 Clients & Experience7.5/10 Market PresenceService focus
25% Call Center Services25% Collections Recovery Services75% Other -
$1,000+< $25 / hr1,000 - 9,999Clovis, NM
Ability to deliver
21.2/40.016.6/20 Reviews0/10 Clients & Experience4.6/10 Market PresenceService focus
10% Call Center Services30% Collections Recovery Services90% Other -
$1,000+Undisclosed10 - 49Falls Church, VA
Ability to deliver
21.9/40.016.8/20 Reviews0/10 Clients & Experience5.2/10 Market PresenceService focus
10% Call Center Services100% Collections Recovery Services90% Other -
$1,000+< $25 / hr50 - 249Great Neck Plaza, NY
Ability to deliver
26.6/40.020/20 Reviews1.4/10 Clients & Experience5.2/10 Market PresenceService focus
10% Call Center Services10% Collections Recovery Services90% Other -
Undisclosed< $25 / hr2 - 9Miami, FL
Ability to deliver
20.2/40.016.2/20 Reviews0/10 Clients & Experience4/10 Market PresenceService focus
100% Call Center Services25% Collections Recovery Services -
$1,000+< $25 / hr10 - 49Phoenix, AZ
Ability to deliver
20.2/40.016.2/20 Reviews0/10 Clients & Experience4/10 Market PresenceService focus
40% Call Center Services35% Collections Recovery Services60% Other -
$1,000+< $25 / hr50 - 249Sheridan, WY
Ability to deliver
23.5/40.016.2/20 Reviews2.4/10 Clients & Experience4.9/10 Market PresenceService focus
10% Call Center Services25% Collections Recovery Services90% Other -
$1,000+Undisclosed10 - 49Irvine, CA
Ability to deliver
22.3/40.016.4/20 Reviews0/10 Clients & Experience6/10 Market PresenceService focus
25% Call Center Services25% Collections Recovery Services75% Other -
Undisclosed$25 - $49 / hr250 - 999Roswell, GA
Ability to deliver
15.7/40.00/20 Reviews6.2/10 Clients & Experience9.4/10 Market PresenceService focus
25% Call Center Services56% Collections Recovery Services75% Other -
$50,000+< $25 / hr50 - 249San Jose, CA
Ability to deliver
21/40.016.4/20 Reviews0/10 Clients & Experience4.6/10 Market PresenceService focus
20% Call Center Services25% Collections Recovery Services80% Other -
$1,000+< $25 / hr50 - 249Sheridan, WY
Ability to deliver
16.6/40.012.6/20 Reviews0/10 Clients & Experience4/10 Market PresenceService focus
20% Call Center Services50% Collections Recovery Services80% Other -
$1,000+< $25 / hr50 - 249Oak Brook, IL
Ability to deliver
12.4/40.012.4/20 Reviews0/10 Clients & Experience0/10 Market PresenceService focus
75% Call Center Services100% Collections Recovery Services25% Other -
$10,000+Undisclosed250 - 999North Charleston, SC
Ability to deliver
17.1/40.00/20 Reviews7.5/10 Clients & Experience9.6/10 Market PresenceService focus
10% Call Center Services25% Collections Recovery Services90% Other
U.S. Collections FAQs
U.S.-based agencies understand the Fair Debt Collection Practices Act (FDCPA), Regulation F, and state-by-state licensing requirements. They typically maintain nationwide skip tracing, credit bureau reporting (Experian, Equifax, TransUnion), and attorney networks for escalation when needed.
For highly regulated sectors—healthcare, financial services, and education—U.S. firms can align with HIPAA, GLBA, and FERPA standards, offer SOC 2–audited data controls, and provide bilingual outreach with time zone coverage across the country. If your customers or debtors are in multiple states, a domestic partner simplifies compliance, jurisdiction, and recovery operations.
Pricing depends on factors like debt age, balance size, volume, consumer vs. commercial, and whether legal action is required. On Clutch, most U.S.-based collections firms charge:
- Contingency collections (no recovery, no fee): about 18%–35% of amounts recovered for recent B2B claims; 30%–50% for older or consumer accounts.
- Early-out/first-party programs: roughly 4%–10% of dollars recovered.
- Letter series/pre-collection outreach: about $10 – $25 per account.
- Legal collections: often 35%–50% of recovered funds plus court costs/filing fees.
- Setup/minimums: some agencies charge a small setup fee ($0 – $500) or require monthly minimum volumes; many waive these for larger portfolios.
Request quotes from multiple firms on Clutch and compare exact contingency tiers by balance/aging, dispute handling, and any add-ons (e.g., credit reporting, skip tracing, or data enrichment).
Most U.S. agencies support both consumer and commercial recovery across sectors such as:
- Healthcare and dental
- Financial services, fintech, and lending
- SaaS and subscription/e-commerce
- Manufacturing, distribution, and wholesale B2B
- Property management, home services, and utilities
- Education and student services
- Professional services (legal, accounting, marketing)
- Government and municipal receivables
When shortlisting, filter for firms with proven outcomes and compliance frameworks in your specific industry.
Define your project’s specific requirements and objectives. After that, browse through Clutch’s directories and assess your options by following these steps:
- Verify compliance — FDCPA training, Reg F readiness, state licensing, ACA International membership, and data security (SOC 2, encryption, TCPA compliance).
- Assess capabilities — omnichannel outreach, skip tracing depth, credit bureau reporting, dispute resolution, and legal escalation options.
- Compare performance — recovery rates by aging bucket, time-to-first-contact, complaint rate, and QA monitoring.
- Review reputation — Clutch reviews, references in your industry, sample scripts/letters, and call recording policies.
- Clarify terms — transparent contingency tiers, minimums, cancellation terms, and how they handle fees, chargebacks, and small-balance accounts.
- “Guaranteed” recovery rates or vague, one-size-fits-all pricing
- No written compliance program, outdated FDCPA/Reg F training, or missing state licenses
- Aggressive or harassing tactics; limited QA, call recording, or manager review
- High consumer complaint rates or poor dispute handling/documentation
- Unclear data security posture (no SOC 2, weak access controls, no audit logs)
- Hidden fees, long lock-in terms, or refusal to provide sample reports and scripts
- No proof of insurance/bonding; unwilling to sign a BAA (for healthcare)
- Minimal transparency on recovery metrics and communication cadence
Avoid these red flags at all costs. One of the best ways to mitigate risk is to do your diligence when choosing the right partner.