At Collection Agency USA (CA-USA), we specialize in Commercial Collections (or B2B corporate debt recovery), strictly adhering to all collection laws and holding nationwide licensing. From pre-collection efforts to litigation, we customize our services for each case to meet your specific needs. We have adequate insurance coverage and our team know how to handle high-value claims and complex negotiations.
With over 20 years of experience, our primary goals are to achieve a high success rate, provide transparent and cost-effective pricing, keep clients updated on the progress of their collections, safeguard all sensitive client data, and ensure that all collections are conducted ethically and in compliance with regulatory guidelines.
- Our diverse service offerings include low cost Fixed Fee, Contingency Fee, and Legal Collections, tailored to suit each client’s unique needs.
- Serving thousands of clients across the country. We take pride in our secure & user-friendly client portal.
- An impressive recovery rate of over 80% on viable commercial debts.
- CA-USA is committed to protecting your reputation by treating debtors with dignity and respect.
- No Recovery = No Fee Charged to you.
- A dedicated team of commercial collectors, and a large network of lawyers nationwide to cover every jurisdiction in the country.
- No-minimum-debt and customizable approach ensure every case is handled with the utmost care and precision.
- Free address check, skip tracing, bankruptcy check, credit bureau reporting and litigious defaulter check.
Highly rated on Google reviews and with an A+ rating from the BBB, CA-USA is your trusted partner in commercial debt collection.
Contact us for a free quote and experience the CA-USA difference, where excellence in service and results is our commitment. We consistently deliver high recovery rates and far exceed the industry average. References available upon request.
- Licensed. Bonded and Compliant
- 24/7 Online Portal
- Bilingual
- No on-boarding fee
Need a Commercial Collection Agency? |
|
|
|
|
Our Interests are Aligned
We are fully committed to collecting the debt because we only get paid if you do. We both benefit solely from the successful recovery of your invoices. Otherwise, all the resources and effort we invest in debt recovery will be wasted, and we will incur that loss entirely as we operate on a No Recovery, No Fee basis.
Commercial Collections Process
- Placement of Debt: A business transfers the debt of a non-paying client to a collections agency, along with all backup documents, along with any emails in which debtor has accepted that they need to pay the amount assigned.
- Verification and Scrutiny: The agency verifies the debt and assesses the debtor’s ability to pay. Understand the details of the debt, including the amount, terms, and history.
- Initial Communication: The agency contacts the debtor, often through letters or calls or emails, to inform them about the debt and negotiate payment. Skip tracing is done if needed.
- Background investigation: The agency will conduct an investigation into the debtor and the business proprietors to assess the business’s functionality and financial success, which will guide the negotiation process.
- Persistent Efforts and Negotiation: If initial attempts fail, the agency persists with follow-ups, negotiating payment plans or settlements if necessary. If the debtor can’t pay in full, the agency will negotiate a partial payment plan or settlement.
- Final Chance before Firm Tactics Kick in: The pre-collections team will give the debtor one final opportunity to settle their account before it is considered for legal action. This may be their last chance to resolve the matter without going to court.
- Business Credit Reporting:When a commercial collection agency is involved in recovering debts, it can affect the business’s credit standing, potentially jeopardizing its ability to secure future loans. Impacting a defaulter’s business credit history is an effective collection strategy, often leading to the immediate settlement of accounts.
- Legal Action: As a final resort, legal proceedings may be initiated to recover the debt.
A lawyer will:- Initiation: Prepare legal documents, including demand letters and settlement agreements.
- Litigation: If necessary, initiating legal proceedings to recover debts and representing the agency in court.
- Enforcing Judgments: Assisting in enforcing court judgments against debtors, such as garnishments or liens.
- Resolution: Upon successful collection, the agency takes a fee, and the remaining amount is returned to the business.
Commercial Collection Fee:
Unlike consumer debt, commercial collection cost varies based on three factors:
- Amount Due: Higher the balance, lower the fee.
- Age of account: Accounts older than 1 year attract higher fee.
- Complexity of the case: Complex cases, or those with less than ideal backup documentation draw higher fee.
Fee varies from 10% to 40% of the amount assigned.
Read reviews from some of our clients
“We have been using CA-USA for about 2 years. They are wonderful to work with. Todd our account manager is always very helpful and answers our questions promptly. I highly recommend them for all collection services!”
“I have worked with CA-USA for the last 3 years. As the Director of RCM for a large medical company, I could not be happier with their performance as a collection agency, but also their approach to handling our mutual clients. Bruce, and Paul have not only exceeded expectations, but have helped us foster good will with our clients as well. If I could give them 10 stars I would.”