Top 10 Best Collection Agency in San Jose, 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.
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
Wealth Recovery Solutions
North Market Street, San Jose, California- Small Claims Judgment
- Probate Judgmen
- Process Servers
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Wealth Recovery Solutions are professionals in the field of in the area of Court Orders and Judgment Recovery based in California USA. History Estab More Detail
ASAP Collection Services, LLC
Santa Teresa Boulevard, San Jose, California- financial Services
- California Common Interest Developments (CIDs)
- Homeowner Associations (HOAs)
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We have been providing reliable Assessment Collection Services to California Common Interest Developments since 1997. With more than two decades of ex More Detail
FINEX Group LLC
Great Oaks Boulevard, San Jose, California- collection agency
- Bankruptcy Law
ABOUT Welcome to the FINEX Group. We are considered one of the industry's leading experts. We have over 30 years experience in the industry practic 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.