Top 10 Best Collection Agency
Our listings showcase trusted collection agencies that specialize in debt recovery services for businesses across various industries. These agencies are chosen for their professionalism, ethical practices, and high success rates in recovering outstanding debts.
American Consumer Credit Counseling
West 5th Street, Los Angeles, California- Financial education
- Debt management services
- Credit counseling
American Consumer Credit Counseling has an average rating of 4 from 12 reviews. The rating indicates that most customers are generally satisfied. The More Detail
The Cardoza Law
Market Street, San Francisco, California- Legal services
- Consumer Law
- Auxiliary legal services
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You can get a lawyer to stop debt collection harrassment, robocalls, and credit reporting errors with no money down. History Established in 2014. More Detail
Law Office of Paul Mankin, APC
Turquoise Street, San Diego, California- Health/injury and disability
- Consumer Law
- Personal Injury Law
- See More
Vigorous consumer representation lemon law; auto dealer fraud; and collection harassment claims. Meet the Business Owner Business owner informatio More Detail
Benjamin, Chaise & Associates
Platt Avenue, Los Angeles, California- Standard Contingency Based Collections
- Results-Driven
- Best Debt Collection Specialists
- See More
Welcome to Benjamin, Chaise & Associates, your trusted commercial debt collection agency in Los Angeles Our team of collectors are experts in skip More Detail
Cedars Business Services, LLC
Las Virgenes Road, Los Angeles, California- Financial Services
We are a nationally licensed debt collection agency providing domestic and international debt recovery services for businesses, schools and municipali More Detail
Lawson Hamilton & Associates
North Glenoaks Boulevard, Los Angeles, California- commercial collection
- financial collection
- healthcare collection
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With over a decade of experience, Lawson Hamilton & Associates specializes in collections for several industries including: Healthcare, Government, Co More Detail
The Judgment Solutions
South Spring Street, Los Angeles, California- Auxiliary legal services
Specialties We purchase your judgment on a "future pay" basis, without application fees or up-front costs of any kind. We cover all costs and expense More Detail
JMH & Associates
West Alameda Avenue, Los Angeles, California- Collection
- Legal Resolution and Judgments
- Credit Reporting
- See More
Welcome to JMH & Associates, your trusted debt collection partner based in Los Angeles, California, proudly serving clients nationwide. As a professio More Detail
The Kaplan Group
Ravizza Avenue, San Jose, California- in House Law Firm
- Background Investigation
- Debt Relief Services
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Founded in 1991 by a trailblazer in modern debt collection, The Kaplan Group ranks among the top commercial collection agencies in the nation. We spec More Detail
Grey Judgment Enforcement
East Washington Boulevard, Los Angeles, California- Process Servers
- Process serving
Specialties GR ISIDRO Judgment Recovery is dedicated to the enforcement of court judgments. We purchase your judgment on a 'future pay' basis, withou More Detail
Frequently Asked Questions
A collection agency specializes in recovering unpaid debts from individuals or businesses. When a company is unable to collect overdue payments from customers, they hire a collection agency to pursue the debt. Agencies use phone calls, emails, and legal notices to encourage payment. In extreme cases, they may initiate legal action to recover the owed amount.
Businesses should consider hiring a collection agency when:
- Invoices are 60–90+ days overdue
- Customers have ignored multiple payment reminders
- The company lacks the resources to chase down payments
- The debt is large enough to justify the cost of collection services
Most collection agencies work on a contingency basis, meaning they only get paid if they successfully recover the debt.
Not necessarily. Reputable collection agencies use professional, ethical approaches to recover debts while preserving the customer relationship. Some agencies offer "soft collections", where they politely remind debtors and try to negotiate payment plans rather than using aggressive tactics.
Debt collection agencies must comply with the Fair Debt Collection Practices Act (FDCPA), which prohibits:
- Harassing or threatening debtors
- Calling outside of allowed hours (before 8 AM or after 9 PM)
- Misrepresenting the amount owed
- Contacting debtors at work if prohibited
Businesses should choose an agency that follows ethical debt collection practices to avoid legal risks.
Collection agencies typically charge in one of three ways:
- Contingency fees: 25%–50% of the collected amount (common for unpaid invoices)
- Flat fees: $10–$50 per account for "soft collections"
- Hourly rates: Used for legal debt recovery cases
The cost depends on how old the debt is—the longer the account has been overdue, the harder it is to collect, so fees tend to be higher.