Small businesses shouldn’t have to choose between chasing unpaid invoices and running their business. CA-USA helps small businesses recover both consumer and commercial debt with two flexible collection options: low-cost Fixed Fee Collections and traditional Contingency Fee Collections. Fully licensed nationwide, CA-USA combines professional debt recovery with an approach designed to protect cash flow, customer relationships, and your time.
For businesses with multiple overdue accounts, the Fixed Fee option can significantly reduce collection costs, while contingency collections provide a no-recovery, no-fee alternative for tougher accounts. Fixed collection fees of $20 per account usually qualifies as a deductible business expense (making this a free service), giving small businesses another practical way to control recovery costs.
Protecting your office reputation, CA-USA holds licenses in all 50 states, ensuring a safe approach during every interaction. We provide free litigation and bankruptcy scrubs with zero onboarding or annual fees. Our SOC 2 Type II compliant systems ensure total data security, backed by a 4.85/5 rating from over 2,000 professional reviews. Delivering high recovery rates!
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Small businesses can manage their accounts effortlessly through CA-USA’s easy-to-use, secure client portal. This portal is accessible 24×7, allowing clients to submit, update, and track the status of their accounts at their convenience. CA-USA’s no hidden fee policy further reinforces its commitment to transparency, ensuring clients are always aware of their financial commitments. For those opting for Contingency Collections, our policy of “no recovery, no fee” offers peace of mind, aligning the agency’s success with that of its clients.
Serving thousands of small businesses nationwide, CA-USA emerges as a reliable and effective partner in debt collection, tailored to the needs of modern businesses.
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Unique Features of CA-USA
- Free Bankruptcy screening.
- Free Credit Bureau reporting in contingency collections.
- Free Change of Address check and Litigious defaulter check.
- Accounts can be further recommended to one of our national network of lawyers for filing a Legal suit to recover money.
- We can perform debt collections in both English and Spanish.
- Apart from B2C collections, we also have a dedicated Commercial Division for B2B collections.
- Serving Nationwide ( Licensed in all 50 states and Puerto Rico).
- CA-USA has consistently passed SSAE 18 SOC 1 Type 2 data security compliance. We are also FDCPA, GLBA and HIPAA Compliant.
Collection Cost:
- Fixed-fee collections: $15-$20 per account, and the debtor pays you directly—you keep 100% of the recovery.
- Contingency collections: Ideal for older accounts, with a 40% fee only on amounts recovered.
Read online reviews from some of our clients, even debtors from whom we collect
“CA-USA is a great partner for our trades company. They worked hard to design a plan that meets our needs and are very good at helping us meet our goals with regards to outstanding AR. Highly recommend their services to any business.”
“CA-USA has been absolutely a pleasure to deal business with. They helped the small business that I work for get an amazing price. Also I would like to mention the prompts replies to any questions or concerns that I had. Thank you so much VITO! You and your team are amazing.”
“I had such a great experience with the collector over the phone. They were honest, upfront, very polite, very helpful & informative. They made sure to work with me & confirm that everything was understood on my end. Explain everything with detail and was able to answer all my questions.”
“Client services at CA-USA has always provided excellent support. Today speaking with Cassandra in the Client Services department was no exception. She was able to switch account information that I needed done quickly while I was on the phone with her. Very professional and ‘listened’ to help me get the resolution needed. Thank you Cassandra!!”
“Rick has been pleasant & helpful every time I’ve needed to speak with him. Paying bills is part of life & sometimes we fall behind. It’s nice to do business with folks that are respectful & understanding. Thank you :)”
“Granted it’s a collection agency (my fault it got that far) BUT they are sooo nice! If I have an issue I can call and they help or if it’s just a general question. Always friendly and they don’t handle it like it’s just business, more caring!”
FAQs
If I already wrote off an unpaid invoice as bad debt, can CA-USA still collect it?
Yes. An accounting or tax write-off does not automatically erase the customer’s obligation. If you previously deducted a business bad debt and later recover money, the IRS says some or all of that recovery may need to be reported as income. Check the tax treatment with your accountant.
Do I need a signed contract before sending a small-business account to collections?
Not always. A signed contract is excellent documentation, but invoices, purchase orders, emails, delivery records, statements, signed estimates, and prior payments may also help substantiate an account. For sales of goods, the UCC recognizes that agreements can sometimes be established through conduct or written confirmations, although specific transactions may require a writing.
If my customer is a sole proprietor or DBA, is the debt consumer or commercial?
The purpose of the debt matters more than the business structure. A debt incurred primarily for business purposes is generally considered commercial for federal FDCPA purposes, even when the debtor operates as a sole proprietor. Personal, family, and household debts are treated differently, and state rules may add additional requirements.
Can I send only the undisputed invoices to collections?
Yes. If a customer disputes one invoice but owes several others, you can separate the accounts and place only the clearly documented, undisputed balance. This often creates a cleaner collection file and prevents one disagreement from delaying recovery of every invoice.
Should a small business use fixed-fee or contingency collections?
For newer accounts, CA-USA’s $15 fixed-fee service can be economical because the debtor pays you directly and you keep the recovery. Older or more difficult accounts may be better suited to 40% contingency collections, where there is no collection fee unless money is recovered.
Is sending an account to collections the same as selling the debt?
No. When you place an account with a collection agency, the agency generally pursues payment on your behalf while you remain the creditor. Selling debt is different: ownership of the account is transferred to a debt buyer, who then attempts to collect for itself. The CFPB specifically distinguishes collection agencies from companies that purchase delinquent debts.