Commercial collections
Business-to-business debt is our core work. When a company owes you for goods delivered or work completed, collection goes beyond letters and phone calls: we investigate the debtor company, understand how its business runs, and apply pressure on every front until the matter is resolved. Invoices, contracts, judgments, and disputed balances all qualify.
A business debtor has more at stake than an individual: its credit with suppliers, its reputation, its license, and its ability to keep operating. A professional third party makes those stakes clear.
Consumer collections
Consumer accounts include defaulted credit cards, personal loans, and lines of credit, medical and patient balances, retail and service balances, utilities and telecom, landlord and tenant balances, and returned checks. We collect them for banks, credit unions, lenders, practices, and businesses while protecting the relationship you have with your customer.
Our collectors are trained on the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the Gramm-Leach-Bliley Act, so recovery never comes at the cost of compliance.
How the rules differ
The FDCPA applies to third-party collectors of consumer debts. It limits when and how often a consumer can be contacted, requires specific disclosures and a validation notice, lets the consumer dispute the debt or ask that contact stop, and prohibits harassment, threats, and false statements.
Commercial debt is outside the FDCPA. State laws, licensing rules, and the general laws against fraud and harassment still apply, and a professional agency works a business account to the same ethical standard. The practical difference is pace and leverage: a business debtor can be contacted more directly, more often, and through more channels, and the conversation can address the debtor's own business exposure.
Which one is yours?
Look at who signed and what the purchase was for. If a business is named on the invoice or contract and the goods or services were for business use, the account is commercial. If an individual bought something for personal, family, or household use, it is consumer.
Sole proprietors and personal guarantees blur the line. A debt an individual took on for business purposes is generally treated as commercial, but the purpose of the transaction controls, not the name on the account. If you are not sure, tell us what the goods or services were for and we will classify it.
One agency for both
We collect from businesses that owe a business, individuals who owe a business, businesses that owe an individual, and individuals who owe an individual. Both kinds of account go through the same three phases: direct collection, attorney involvement, and a clear recommendation to close or litigate. The terms are the same too: no recovery, no fee.
Common follow-up questions
Does the FDCPA apply when a business owes me money?
Generally no. The FDCPA is limited to consumer debts, meaning personal, family, or household obligations owed by individuals. State law and licensing rules still apply to commercial collection.
Can a consumer debt be sent to an attorney?
Yes. Consumer and commercial accounts follow the same process. If direct collection does not resolve the account, it is referred to an attorney in the debtor's jurisdiction, and litigation proceeds only with your authorization.
Do you collect for individuals, or only for businesses?
Both. We take accounts where a business owes a business, an individual owes a business, a business owes an individual, and an individual owes an individual.
Talk to us
Tell us about the accounts and we put together a free assessment, usually within one business day. Request a free consultation, contact us, or call 321-710-3530. Ready now? Place a claim and we go to work today. No recovery, no fee.