Debt Collection Agency New YorkBusiness (B2B) Debt Recovery
Collecting unpaid business invoices in New York is usually fastest when you combine a complete evidence pack with firm escalation gates and compliance-aware outreach. New York also has multiple layers of debt-collection rules (state frameworks, NYC licensing for consumer/household debts, and NYDFS consumer-focused rules), so it's important to classify your file correctly before aggressive escalation.
General Information Only
This page is general information, not legal advice. Outcomes depend on the facts of the case.
Who This Is For
- CFOs and AR teams with overdue B2B invoices from New York-based debtors
- Exporters selling into New York who need a structured handoff and transparent reporting
- Credit controllers managing aged debt (60–180+ days) who want predictable next steps
New York Decision Gates (Use These to Stop Endless Chasing)
Clear rules to prevent wasted effort and drive faster resolution.
If the debtor won't confirm a payment date within 7 days
→ Move to a formal demand step
If a "dispute" is not stated in writing with evidence
→ Treat it as a delay tactic and set an escalation deadline
If the debtor goes dark
→ Switch to "entity + stakeholder mapping" and escalate by rule, not by emotion
If there's any consumer element (individual debtor / personal household debt / NYC consumer targeting)
→ Treat it as higher compliance risk and review requirements before outreach
NY Compliance Radar (State vs City vs Consumer Rules)
NY State (GBL Article 29-H)
New York State has a "Debt Collection Procedures" law in General Business Law Article 29-H (Sections 600–603). The NY Attorney General notes debt collectors must follow this framework.
NY Senate - GBL Article 29-HNYC DCWP License
NYC DCWP states that collecting personal/household debts from NYC residents requires a NYC Debt Collection Agency License—even if the business is outside New York State.
NYC DCWP LicensingNYDFS (23 NYCRR 1)
NYDFS has a consumer debt collection regulation (23 NYCRR 1) for third-party collectors/debt buyers. Note: It does not apply to collection by original creditors.
NYDFS Debt Collection FAQPractical takeaway: Treat pure B2B invoice recovery as one track, but if an individual/personal guarantor or consumer context appears, slow down and confirm which rules apply.
Stakeholder Map Playbook (NY "Who Approves Payment?")
In many New York businesses, AP can process invoices but can't approve payment priority. Build this map in your first week:
AP Processor
Invoice status
Procurement/Vendor Management
Onboarding, compliance docs
Finance Manager/Controller
Payment priority
Business Owner/GM
Override authority
Legal
Only if escalation is approved
How the Recovery Process Typically Runs (High-Level)
Intake & Strength Check
Documents, entity, dispute triage
Amicable Outreach
Professional, relationship-aware, deadline-driven
Learn moreFormal Demand Step
Clear cure date and escalation gate
Negotiation & Closure
Written commitments + remove payment friction
Escalation Review
Only with your approval
Learn moreWhat to Submit (New York Handoff Pack)
- Contract/terms or accepted quote + PO (if used)
- Invoice(s) + statement of account
- Proof of delivery/performance/acceptance (signed doc, system logs, or email acceptance)
- Full communication log (emails + call notes)
- Debtor legal entity details + best contacts (AP + decision-maker)
Reporting That Survives Internal Scrutiny
10 Facts You Didn't Know (And/Or Things to Verify) — New York
Sourced facts from NY State, NYC, and NYDFS plus operational verification items.
New York's "Debt Collection Procedures" framework is in GBL Article 29-H.
Source: NY SenateArticle 29-H includes Sections 600–603 (definitions, prohibited practices, disclosures, penalties, etc.).
Source: NY SenateThe NY Attorney General states debt collectors operating in New York must follow NY State law (Article 29-H).
Source: NY AGNYC DCWP says collecting personal/household debts from NYC residents requires a NYC Debt Collection Agency License.
Source: NYC DCWPNYC DCWP says this NYC licensing rule applies even if the business is outside New York State.
Source: NYC DCWPNYDFS says 23 NYCRR 1 does not apply to collection of debts by original creditors.
Source: NYDFS FAQVerify whether your debtor is a business entity only—or whether an individual/personal guarantor is involved (compliance risk changes).
Verify the correct debtor legal entity (brand ≠ legal entity) before any formal demand.
Verify you have acceptance proof; without it, "dispute" becomes the default excuse.
Verify internal approval gates (settlement authority, escalation authority, thresholds) before you escalate.
Limitations / When This May Not Work
- •Consumer or personal guarantor involvement: If the debtor is an individual, involves personal/household debt, or if collecting from NYC residents, additional licensing and compliance rules may apply. Consult qualified counsel.
- •Debtor insolvency or dissolution: If the debtor entity is insolvent, dissolved, or in bankruptcy proceedings, recovery may be limited regardless of claim strength.
Ready to Recover Your New York B2B Debt?
Start with a case assessment. We'll review your documentation, verify the debtor entity, and provide a clear recovery plan with transparent reporting.