Unpaid bills don’t get easier to collect with time, they get harder. If you’re a California business, medical practice, or property owner waiting on money that should already be in your account, Collection Agency USA (CA-USA) can help you get paid, the right way, under California’s strict collection laws.
Quick answer: CA-USA is a licensed, HIPAA and FDCPA compliant collection agency serving California businesses and medical practices nationwide. We recover unpaid bills through a $15 flat-fee option or a 40% contingency plan, no recovery, no fee, backed by a 4.85-star rating from over 2,000 reviews.
Why California Businesses Choose CA-USA
- Licensed in all 50 states and Puerto Rico, so it doesn’t matter if your debtor has moved out of state.
- HIPAA and FDCPA compliant, with data security practices built for sensitive medical and financial accounts.
- Rated 4.85 stars across 2,000+ reviews.
- Patient-friendly and reputation-safe. We collect firmly, but we don’t burn bridges or generate complaints.
- A dedicated account representative, backed by a full support team, not a call center queue.
California Has Its Own Rules
California is one of the strictest states in the country for debt collection. The Rosenthal Fair Debt Collection Practices Act sets rules for how debtors can be contacted, and the California Consumer Privacy Act (CCPA) adds extra requirements around how debtor data is stored and handled. Working with an agency that already understands these rules, instead of learning them the hard way, is what keeps a collection effort out of legal trouble.
What This Costs
- Fixed-Fee Recovery ($15/account): Ideal for early-stage receivables. Debtors pay 100% directly to you. No commissions.
- Contingency Service (40%): Performance-based recovery. No Recovery, No Fee.
Recent Recovery Results
- A small medical practice in Los Angeles had about $18,000 in unpaid self-pay patient balances. Using our $15 fixed-fee service, they recovered $11,200 within the first month, with no patient complaints.
- A commercial property manager in Sacramento placed 12 aged tenant accounts totaling around $34,000 into our contingency program. Within 60 days, $27,000 was recovered, with the remaining accounts referred for legal review.
Frequently Asked Questions
Is CA-USA licensed to collect debt in California?
Yes. We’re licensed to collect in all 50 states, including California, and our team is trained specifically on California’s Rosenthal Act and CCPA requirements.
How much does it cost to use CA-USA?
You can choose a flat $15 fee per account for early-stage balances, where you keep everything recovered, or a 40% contingency fee for older or harder accounts, where you pay nothing unless we collect.
Will this hurt my relationship with my patients or customers?
Not if it’s done right. Our approach is diplomatic and professional, aimed at getting you paid without generating complaints or bad reviews. See more on the true cost of letting debt go uncollected if you’re weighing whether to act at all.
Do you handle medical debt specifically?
Yes, and it’s a large part of what we do. Every medical account is handled under HIPAA rules. You can read more on our medical debt collection page.
How do I get started?
Contact us with your account details, and we’ll walk you through whether fixed-fee or contingency makes more sense for your situation.