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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$1,000+< $25 / hr50 - 249Miami, FL
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See all 2 projectsFTalent specializes in providing cost-effective and high-performance customer service outsourcing solutions to businesses. We build dedicated teams in Mexico, selecting the top 1% of customer
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Undisclosed< $25 / hr2 - 9Akron, OH
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AGS Solutions LLC, a Customer Service Outsourcing company, was launched in 2013. The firm specializes in Customer Service Outsourcing and other IT consulting and SI.
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$1,000+Undisclosed10 - 49New York, NY
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Established in 2026, UnlimCall is an AI Agents company. The small team offers AI Agents and Sales Outsourcing.
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UndisclosedUndisclosed2 - 9Glendale, CA
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Call center Universal Contact Centers is headquartered in Tijuana, Mexico and Glendale, California. They focus on Call Center Services and Finance & Accounting Outsourcing (FAO).
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UndisclosedUndisclosed50 - 249Nashville, TN
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Employee Pooling is a phone answering service. Founded in 2011, the company is located in Nashville, Tennessee. Their team provides Call Center Services and Back Office Outsourcing.
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UndisclosedUndisclosed2 - 9Bend, OR
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Moonlight BPO, a print design company, was established in 1985. The agency offers Print Design and Call Center Services, and is small.
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$1,000+< $25 / hr10 - 49New Hyde Park, NY
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Acena, a call center, provide Call Center Services and Back Office Outsourcing. They were founded in 1998.
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UndisclosedUndisclosed10 - 49Omaha, NE
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North End Teleservices LLC, a Market Research company, was launched in 2015. In Omaha, Nebraska, the team specializes in Market Research and Call Center Services.
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UndisclosedUndisclosed10 - 49Palisades Park, NJ
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OUTSOURCETURK is a small answering service company headquartered in Palisades Park, New Jersey. Their services include Call Center Services and Back Office Outsourcing.
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$1,000+< $25 / hr1,000 - 9,999Bayonet Point, FL
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Telephone answering service Account Management Systems is in Bayonet Point, Florida. Founded in 1999, the team specializes in Call Center Services.
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Undisclosed< $25 / hr10 - 49Visalia, CA
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Acclaim Credit Technologies, an answering service company, is located in Visalia, California. The team focuses on Call Center Services.
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UndisclosedUndisclosed1,000 - 9,999Mineola, NY
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See all 1 projectsSybrid Private Limited is a digital services company specializing in e-commerce support, digital marketing, and SEO. Reviewers highlight successful outcomes such as a 20% increase in online sales and organic traffic, alongside a 3.2x return on ad spend. Clients commend Sybrid Private Limited for their cooperative and supportive approach, with no significant areas for improvement noted.
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UndisclosedUndisclosed2 - 9Panama City, FL
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Dash BPO Panamá is an answering service company. Launched in 2010, the agency is in Panama City, Florida. Their team specializes in Call Center Services and Back Office Outsourcing.
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$10,000+$25 - $49 / hr10 - 49Los Angeles, CA
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Launched in 2024, Customer First Solutions is a call center company. The small team focuses on Call Center Services and Customer Service Outsourcing.
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$1,000+< $25 / hr250 - 999Pembroke Pines, FL
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Midsize answering service company Your Collection Solution, is in Pembroke Pines, Florida. Their services include Call Center Services.
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UndisclosedUndisclosed10 - 49Framingham, MA
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First Financial Resources, Inc. Is a small call center company in Framingham, Massachusetts. The team focuses on Call Center Services and Business Consulting.
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$1,000+< $25 / hr250 - 999Indianapolis, IN
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Virtual Value LLC is a midsize Indianapolis, Indiana-based call center. The team specializes in Call Center Services and Back Office Outsourcing.
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$1,000+$25 - $49 / hr50 - 249Sheridan, WY
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Unified Serve Solutions is a Customer Service Outsourcing company. They are based in Sheridan, Wyoming, and their services include Customer Service Outsourcing and IT managed services.
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$1,000+< $25 / hr250 - 999Canton, MA
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See all 3 projectsDelonApps is a company specializing in Contact Center Services and Customer Support Services, particularly excelling in 24/7 call center solutions. Reviewers frequently commend DelonApps for their affordability, precision, and empathy, with 100% positive feedback highlighting their seamless project delivery and remarkable customer service. Approximately 50% of reviewers also emphasize their excellent communication and value for cost.
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$1,000+< $25 / hr10 - 49Sanger, CA
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Digi Media InfoTech is a Back Office Outsourcing company. They provide Back Office Outsourcing and Call Center Services and are in Bengaluru, India and Udaipur, India.
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$25,000+< $25 / hr10,000+Los Angeles, CA
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VXI Global Solutions Inc. Is a Customer Service Outsourcing company established in 1998. The company offers Customer Service Outsourcing and Call Center Services.
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$1,000+< $25 / hr2 - 9Hamilton Township, NJ
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In Hamilton Township, New Jersey and Chennai, India, Tekplant Infotech is a small Back Office Outsourcing company. The team offers Back Office Outsourcing and Call Center Services.
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UndisclosedUndisclosed2 - 9Yukon, OK
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Pest-SOS is a telephone answering service. The team focuses on Call Center Services and Back Office Outsourcing and is located in Yukon, Oklahoma.
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$1,000+$25 - $49 / hr2 - 9Coral Gables, FL
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Established in 2012, Responsive Call Center is a call center. The small team offers Call Center Services and Customer Service Outsourcing.
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UndisclosedUndisclosed50 - 249Marietta, GA
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Answering service company Northwest Telephone Answering Service is headquartered in Marietta, Georgia. The team offers Call Center Services and Sales Outsourcing.
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UndisclosedUndisclosed10 - 49Knoxville, TN
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ProximoCX, a small call center service, is headquartered in Knoxville, Tennessee. The team offers Call Center Services and Sales Outsourcing.
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$10,000+Undisclosed50 - 249San Jose, CA
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Ozonetel Communications is a San Jose, California-based phone answering service. Their services include Call Center Services and CRM consulting and SI.
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UndisclosedUndisclosed2 - 9Los Angeles, CA
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California H.O.A. Collection Services is a Commercial Financing company. Founded in 2014, the firm is in Los Angeles, California. Their team focuses on Commercial Financing and Accounting.
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$1,000+$25 - $49 / hr10 - 49Decatur, GA
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Efficacious LLC is a small Business Consulting company launched in 2024. Their team provides Business Consulting and Call Center Services.
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UndisclosedUndisclosed2 - 9Bellevue, WA
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Launched in 2014, Best Property Management is a small Commercial Brokerage Services company. Their services include Commercial Brokerage Services and Commercial Property Management.
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UndisclosedUndisclosed2 - 9Seymour, TN
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Knoxville Computer Corporation is a call center based in Seymour, Tennessee. The team specializes in Call Center Services and Back Office Outsourcing.
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Undisclosed$25 - $49 / hr2 - 9Coral Gables, FL
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SumaLatam is a Translation company. They specialize in Translation and Call Center Services and were launched in 2012.
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$1,000+< $25 / hr50 - 249Knoxville, TN
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See all 3 projectsTaskforce BPO is a provider of comprehensive Contact Center Services, specializing in Customer Support, Telemarketing, and Call Handling. Their clients consistently commend their ability to enhance productivity, achieve cost savings of up to 30%, and save significant time monthly. Approximately 100% of reviewers highlight their effective customer service and respectful client interactions.
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UndisclosedUndisclosed50 - 249Berlin, VT
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Established in 1993, All Ways Answering is a midsize answering service company. Their services include Call Center Services and Back Office Outsourcing.
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$1,000+< $25 / hr10,000+New York, NY
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See all 4 projectsEXL Service is a company specializing in back office and Customer Support Services, providing solutions such as billing, accounting, and consultation. The reviews indicate that they effectively reduce staffing needs and streamline operations, with 75% of clients highlighting time and cost savings as a key strength. Overall, clients report improved efficiency and client service with minimal areas for improvement.
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$1,000+$25 - $49 / hr50 - 249San Marcos, CA
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IT managed services company Tri-Community Answering Service was launched in 1968. The midsize team offers IT managed services and Call Center Services.
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UndisclosedUndisclosed50 - 249Athens, GA
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Concierge Contact Center is a call center service. Their team is located in Athens, Georgia and specializes in Call Center Services and Back Office Outsourcing.
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UndisclosedUndisclosed10 - 49Brooklyn, NY
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AnswerOne is a call center company. Located in Brooklyn, New York, the team specializes in Call Center Services and Back Office Outsourcing.
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$1,000+Undisclosed250 - 999Santa Monica, CA
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See all 3 projectsJOYNO INC is a digital marketing company praised for its comprehensive services, including content creation and social media marketing. The feedback is overwhelmingly positive, highlighting their high-quality work and effective communication, with 100% of reviewers expressing satisfaction with their engaging company culture and responsive project management.
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UndisclosedUndisclosed50 - 249New York, NY
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Ktech is a call center. They specialize in Call Center Services and Sales Outsourcing and were founded in 2023.
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$1,000+< $25 / hr10 - 49Wilmington, DE
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See all 1 projectsDigital Minds BPO Services specializes in creating visually appealing, search engine optimized, and user-friendly websites, often using WordPress, with added features such as e-commerce capabilities and social media integration. The overall feedback highlights their strong project management skills, responsiveness, and ability to exceed client expectations, demonstrating a professional and proactive approach to their work.
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$1,000+< $25 / hr250 - 999Franklin Township, NJ
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Launched in 2003, Promantra is a Back Office Outsourcing company. The agency focuses on Back Office Outsourcing and Call Center Services, and is midsize.
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$1,000+Undisclosed50 - 249Boca Raton, FL
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BOULOU BLUE is an answering service company. They are headquartered in Boca Raton, Florida and Kingston, Jamaica, and their services include Call Center Services and Back Office Outsourcing.
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$1,000+< $25 / hr10 - 49Kalispell, MT
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Established in 2024, Global Acts Solutions SDN Bhd is an answering service. Their team provides Call Center Services and Back Office Outsourcing.
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$1,000+< $25 / hr50 - 249Towson, MD
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VirtuAssistPlus, an Accounting company, is based in Towson, Maryland and Harare, Zimbabwe. The team focuses on Accounting and Call Center Services.
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$1,000+< $25 / hr1,000 - 9,999Wilmington, DE
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Answering service Pacific Global is in Wilmington, Delaware and Noida, India. They provide Call Center Services and Back Office Outsourcing and were launched in 2001.
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UndisclosedUndisclosed10,000+Miami, FL
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Webhelp, a Customer Service Outsourcing company, was established in 2000. The large team provides Customer Service Outsourcing and Call Center Services.
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$5,000+Undisclosed1,000 - 9,999Tucson, AZ
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Intugo is a large Back Office Outsourcing company launched in 2005. Their services include Back Office Outsourcing and Customer Service Outsourcing.
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$1,000+< $25 / hr50 - 249Miami, FL
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Established in 2021, Infinity Connections BPO is an answering service. Located in Miami, Florida and Barranquilla, Colombia, the team focuses on Call Center Services and Back Office Outsourcing.
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$1,000+< $25 / hr50 - 249Ocala, FL
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24/7 SECRETARY, an answering service company, is in Ocala, Florida and Dasmariñas, Philippines. 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
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36.7/40.017/20 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
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37.3/40.018.4/20 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
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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
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33.7/40.016.8/20 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
35.4/40.017.4/20 Reviews9.2/10 Clients & Experience8.8/10 Market PresenceService focus
20% Call Center Services20% Collections Recovery Services80% Other -
UndisclosedUndisclosed250 - 999Houston, TX
Ability to deliver
25.1/40.017.6/20 Reviews1.8/10 Clients & Experience5.8/10 Market PresenceService focus
40% Call Center Services100% Collections Recovery Services60% Other -
UndisclosedUndisclosed250 - 999Chicago, IL
Ability to deliver
27.4/40.016.6/20 Reviews5.1/10 Clients & Experience5.7/10 Market PresenceService focus
25% Call Center Services25% Collections Recovery Services75% Other -
$1,000+< $25 / hr250 - 999Princeton, NJ
Ability to deliver
24.1/40.018.8/20 Reviews0/10 Clients & Experience5.3/10 Market PresenceService focus
50% Call Center Services30% Collections Recovery Services50% Other -
$1,000+< $25 / hr250 - 999Jefferson City, MO
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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
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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 / hr10 - 49Baltimore, MD
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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+< $25 / hr250 - 999South Jordan, UT
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22.4/40.016.2/20 Reviews6.2/10 Clients & Experience0/10 Market PresenceService focus
15% Call Center Services50% Collections Recovery Services85% Other -
$1,000+$100 - $149 / hr50 - 249Arlington, VA
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25.3/40.018.2/20 Reviews1.8/10 Clients & Experience5.4/10 Market PresenceService focus
25% Call Center Services25% Collections Recovery Services75% Other -
$5,000+< $25 / hr10 - 49Miami, FL
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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
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19.7/40.013/20 Reviews1.8/10 Clients & Experience4.9/10 Market PresenceService focus
45% Call Center Services100% Collections Recovery Services55% Other -
$1,000+< $25 / hr1,000 - 9,999Clovis, NM
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21.6/40.017/20 Reviews0/10 Clients & Experience4.6/10 Market PresenceService focus
10% Call Center Services30% Collections Recovery Services90% Other -
$25,000+< $25 / hr50 - 249Lehi, UT
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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 / hr50 - 249Great Neck Plaza, NY
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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
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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
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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
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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 - 49Falls Church, VA
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20.4/40.015.2/20 Reviews0/10 Clients & Experience5.2/10 Market PresenceService focus
10% Call Center Services100% Collections Recovery Services90% Other -
$1,000+Undisclosed10 - 49Irvine, CA
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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
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21.2/40.016.6/20 Reviews0/10 Clients & Experience4.6/10 Market PresenceService focus
20% Call Center Services25% Collections Recovery Services80% Other -
$1,000+< $25 / hr50 - 249Sheridan, WY
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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 -
UndisclosedUndisclosed2 - 9Las Vegas, NV
Ability to deliver
16.6/40.016.6/20 Reviews0/10 Clients & Experience0/10 Market PresenceService focus
35% Call Center Services15% Collections Recovery Services65% 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.