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50 States · State-by-State

Debt Collection Agency USABusiness (B2B) Debt Recovery

If you need a debt collection agency in the USA for unpaid business invoices, the fastest path is a documented recovery plan with clear escalation gates and reporting you can defend internally.

The practical reality is that "USA collections" is often state-by-state—so the right approach starts with debtor location, entity verification, and a complete case file.

Get Assessment B2B Recovery Service

Note: This page is general information, not legal advice. Requirements can vary by state and by the facts of the case.

Who This Is For

CFOs and AR teams with overdue B2B invoices in the United States
Exporters selling into the USA who need a structured handoff and transparent reporting
Credit controllers managing aged debt (60–180+ days) who want predictable next steps

🇺🇸The USA Federal Protocol™

5-phase state-aware collection for US B2B with compliance-first approach

Entity verification via Secretary of State, PACER litigation check, document completeness audit.

Secretary of State business lookup
PACER check for existing litigation
Document completeness audit

State-compliant demand letter with cure deadline and clear payment terms.

Draft state-compliant demand letter
Set explicit cure deadline
Include payment remittance details

Collections agency referral warning with documented escalation path.

Send escalation warning letter
Document all contact attempts
Prepare agency referral package

Decision memo with state-specific legal options and cost-benefit analysis.

Prepare decision gate memo
Analyze state-specific options
Cost-benefit assessment for legal route

Route via State/Federal Court or collections attorney based on claim value.

Small claims for under $10-25k (varies by state)
State court for larger claims
Federal court for diversity jurisdiction

⚖️ Route via State/Federal Court or Collections Attorney

Compare 41+ country protocols

Compliant debt recovery solutions throughout the United Stat

What We Collect (B2B Only)

In Scope

Commercial invoices (goods and services between businesses)
Contract/PO balances and overdue milestones tied to delivered scope

Not in Scope (Typical)

Consumer/personal debts
Requests for legal advice (legal steps go through qualified partners when escalation is approved)

Why the USA Is State-by-State

"USA collections" isn't one system—it's 50 different regulatory environments. Licensing requirements, statutes of limitation, interest rate caps, and procedural rules can vary significantly by state.

The right recovery approach starts with debtor location and entity verification, ensuring compliance with applicable state requirements from day one. This is why a complete case file matters before the first outreach.

How B2B Debt Recovery Typically Works

A reliable process is less "more chasing" and more "better sequencing"

Intake & Strength Check

Documents, entity verification, dispute triage—build the case before chasing.

Amicable Outreach

Professional, relationship-aware, deadline-driven contact through appropriate channels.

Amicable Recovery

Formal Demand

Clear cure date and escalation gate—structured demand that creates decision pressure.

Negotiation & Closure

Written commitments + payment friction removal (correct remittance details, invoice refs).

Escalation Review

Only with your approval—decision gate memo with cost logic and options.

Legal Escalation

Common Debtor Scenarios (And What to Do)

"We're reviewing it."

Ask for a written status, a named owner, and a payment date; set an escalation deadline.

"There's a dispute."

Force clarity: what is disputed, what document supports it, what resolution closes it—then decide whether it's real or delay.

They go silent.

Treat it as an identity/reachability problem: confirm legal entity, address, decision-maker, and alternate contacts before escalating.

Documentation Pitfalls That Slow Recovery

No proof of acceptance (delivery/performance) even though work was completed
Invoices that don't map cleanly to a PO/contract scope
Missing communication log (hard to show admissions, promises, or dispute timing)
Chasing the wrong entity name (brand vs legal entity)

Fast Case File Checklist

Contract/terms or accepted quote + PO (if used)
Invoice(s) + statement of account
Proof of delivery/performance/acceptance
Full comms log (emails + call notes)
Debtor legal entity details + best contacts (AP + decision-maker)

Reporting & Transparency (What CFOs Should Expect)

Clear Case Stages

Intake → Contacted → Negotiating → Commitment → Closed / Escalation Review

Updates with Next Action

Every update includes next action + owner + due date—no black box status

Decision Gate Memo

When escalation is recommended: why, cost logic, and options presented

10 Facts You Didn't Know (USA B2B Collections)

These are "facts you can operationalize" rather than legal claims

Most delays are documentation problems, not "collection effort" problems.

The single fastest accelerator is written acceptance proof (even email acceptance).

"Dispute" is often a tactic until it's documented with evidence.

If you can't name the payment approver, you're usually talking to the wrong person.

A formal deadline beats five extra reminder emails.

A complete case file on day one changes outcomes more than a new script.

Payment friction (wrong remittance details) creates fake "non-payment."

The longer you wait, the more likely the debtor's internal narrative hardens.

State-by-state compliance and licensing can matter—so the plan should start with debtor location.

The best agencies provide reporting that survives internal audit and board questions.

Limitations / When This May Not Work

Consumer Debts Not in Scope

This service is for B2B commercial invoices only. Consumer/personal debts have different legal frameworks (FDCPA consumer protections) and are not covered.

Legal Advice Limitation

We do not provide legal advice. When legal escalation is approved, matters are handled through qualified legal partners in the appropriate jurisdiction.