Top 10 Best Collection Agency in San Diego, California
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.
Law Office of Paul Mankin, APC
Turquoise Street, San Diego, California- Health/injury and disability
- Consumer Law
- Personal Injury Law
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Vigorous consumer representation lemon law; auto dealer fraud; and collection harassment claims. Meet the Business Owner Business owner informatio More Detail
Veterans & Civilian Credit Restoration Corp
Sixth Avenue, San Diego, California- Debt Relief Services
At Veterans & Civilian Credit Restoration Corp., we believe that everyone deserves a second chance at financial freedom. Specializing in credit restor More Detail
Centralized Management Services
Aero Drive, San Diego, California- Financial Advising
- Credit Monitoring
- Financial Rehabilitation
Centralized Management Services delivers a fusion of solutions encompassing consumer document and credit monitoring challenges through the United Stat More Detail
Credit Solutions Corp.
Camino Del Rio North, San Diego, California- Financial Advising
Our goal is to help get your financial path in great working order. That’s why we’ve upgraded our website to provide you an enhanced user experien More Detail
Alternative Recovery Management
University Avenue, San Diego, California- Cash Advance Collections
- Camp Ground, Timeshare, Resort Collections
- Commercial Collections
Alternative Recovery Management has a highly trained dedicated staff of seasoned professionals. We have been providing debt collection services in San More Detail
HF Holdings, Inc.
Oberlin Drive, San Diego, California- Medical Collections
- Collection Agency for Small Business
- Judgment Collection and Recovery
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Debt Collection Agency No Recovery, No Charge HF Holdings, Inc. is more than just a collection agency. We strive to be an extension of your business a More Detail
Alliance One, Inc.
Mission Gorge Road, San Diego, California- Debt Relief Services
- Careers
- Accounts Receivable Solutions
As one of the leading accounts receivable providers today, we offer a complete range of collection and contact center solutions designed to meet our c More Detail
Midland Credit Management Inc
Camino De La Reina, San Diego, California- Debt Relief Services
Midland Credit Management is a national financial services company that helps consumers resolve past-due debt obligations. By providing customers with 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.