At Collection Agency USA (CA-USA), commercial debt recovery is our core business, not a side service. For over 20 years, we’ve helped companies across the country turn past-due B2B invoices back into working capital while staying fully compliant with state and federal collection laws.
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20+ years focused on commercial/B2B collections
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Thousands of clients served nationwide through our secure online portal. We recover what you’re owed while preserving valuable business relationships.
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Recovery rates above 80% on viable commercial debts when placed early
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10%–40% contingency fees, depending on balance, age, and complexity of the account
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No recovery, no fee on contingency placements
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Backed by an A+ BBB rating and strong Google reviews, plus robust insurance coverage for your peace of mind
From pre-collection outreach to full litigation, we tailor our strategy to each claim and each debtor. Our commercial collectors know how to handle high-value claims and complex negotiations, coordinate with a nationwide attorney network when legal action is needed, and keep you updated at every step—so you see clear progress instead of wondering what’s happening with your money.
Highly rated on Google reviews, CA-USA is your trusted partner in commercial debt collection. References available upon request.
- Licensed. Bonded and Compliant
- 24/7 Secure Online Portal
- Bilingual
- No on-boarding fee
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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 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.
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.
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.”
FAQs
Our customer still buys from us but has old unpaid invoices. Can we send only the old balance to collections?
Yes. You do not necessarily have to terminate the entire business relationship. Clearly separate the delinquent invoices from new transactions and consider tighter terms—such as deposits, COD, or shorter payment terms—on future orders. CA-USA can pursue the older balance professionally while you decide whether the customer relationship is still worth preserving.
The company owes us money, but the owner says, “It’s an LLC—you can’t collect from me personally.” Is that true?
Often, the LLC itself is the debtor. An owner is generally not personally liable merely because they own or manage the LLC. However, a signed personal guarantee or other legally enforceable obligation can materially change the situation. Always provide CA-USA with guarantees, credit applications, contracts, and amendments when placing the account.
What if the debtor suddenly claims our product or service was defective only after collections begin?
A late dispute does not automatically make an invoice disappear, but it does need to be addressed. Provide the collection agency with purchase orders, signed contracts, delivery confirmations, emails accepting the work, earlier complaints, credits, and payment history. Strong contemporaneous documentation helps distinguish a genuine commercial dispute from a payment-delay tactic.
What happens if a business files bankruptcy after we send the account to collections?
Normal collection activity generally must stop once the bankruptcy automatic stay applies. The account then moves into the bankruptcy process, where the creditor may need to monitor notices and file a Proof of Claim with supporting invoices or contracts when required. CA-USA’s bankruptcy screening can help identify these situations early.
Can an unpaid commercial account affect the debtor company’s business credit?
Potentially, yes. Business credit reports can contain collection filings along with bankruptcies, liens, judgments, UCC filings, and other payment-risk information. This is why properly handled commercial credit reporting can create meaningful leverage with an operating business that depends on suppliers, financing, or trade credit.
What if the debtor shuts down “ABC LLC” and suddenly starts operating as “ABC Solutions LLC”?
A new name does not automatically make the new company responsible for the old company’s debt—but it is worth investigating. CA-USA can help identify addresses, principals, business activity, and related entities. If assets were transferred or another entity may have legal responsibility, the facts and documentation should be reviewed before deciding whether attorney involvement is appropriate.