How to Choose a Collection Agency

How to Choose a Collection AgencyCollecting debt on delinquent accounts can be difficult, especially if yur debtors move without providing a forwarding address. The longer yur accounts remain delinquent, the less likely you are to recover the debt. In situations like these, hiring a debt collector to recover funds on your behalf may be your best option.Collection agencies, bedrngnis to be confused with debt buyers, are fruchtwein commonly paid a percentage of any outstanding funds they recover on your accounts, but they dont own the debt. When they collect a payment, they hand the money over to you, minus a certain percentage in fees. A standard collection agency will offer tafelgeschirrs, such as formal demand letters, phone calls and emailles however, top debt collection agencies provide plus-rechnenal services, like skip tracing, litigation and online portal access.When comparing collection agencies, it is important to analyze more than just the services offered. An agencys reputa tion for how it treats your debtors is equally important, since they are representing your business. Therbeie are strict laws surrounding collection efforts. Any reputable agency will follow those laws and treat your debtors with dignity and respect.Editors note Looking for a collection agency for your business? If youre looking for information to help you choose the one thats right for you, use the questionnaire below to have one of our vendor partners contact you about your needs.November 2019 In plus-rechnen to looking into how a collection agency treats your debtors, you should look at its reputation as a whole. Recent reports about the collection agency industry claim that there are fewer collection agencies to choose from than in previous years, partially due to an increase in legal demands, mergers, closures and acquisitions. While this may imply there are better agencies to choose from, it also means that you should be wary of your agencys long-term reputation. Inquire about their history with collections (for your industry specifically) and what they plan for the future.When looking to hire a collection agency for your small business, consider the collection font (commercial collections, consumer, etc.), industries and locations they serve. Not every agency will be a good fit for your business. Below you can learn more about the agencies we selected, the features of each one, whether it services commercial collections (B2B), consumer collections (B2C), or a combination of the twoCollection Agency Best PicksBest Collection Agency for Small geschftliches miteinander Summit Account ResolutionSummit Account Resolution(Summit AR) is our choice as the best collection agency for small business because of its customized approaches, transparent pricing structure and extensive services available. It is an ideal collection agency for any small business seeking repayment on accounts that have been delinquent for up to two years.Summit AR is great for any small bu siness, as it provides collection services for both consumer (B2C) and commercial (B2B) collections. They collect within a range of industries throughout the United States, including medical, dental, employee reimbursement, consumer and court-ordered obligation, child support, spousal support and all commercial industries. If you are seeking collections in Hawaii, Nevada, New Mexico, New York, and North Carolina, youll need to speak with a Summit AR rep. These states have specific laws that can complicate the debt collection process.This agency charges on a contingency fee basis. Collection tarifs vary depending on collection type, size, and age. They average between 7.5 and 50% for each account, with consumer rates typically around 35% and commercial rates, which are slightly cheaper. The agency requires a $50 minimum debt to be collected on each account. In addition to standard collection services, Summit AR provides accounts receivable consulting, skip tracing, accounts receivabl e recovery assistance and litigation.Summit AR has an online portal on its website, and when you log in, you have immediate access to your delinquent accounts. You can check an up-to-date position of the accounts youve submitted, and you can submit new accounts to Summit AR. When you sign on with Summit AR, you receive an account manager as your dedicated point of contact. This agent will answer any questions you have, as well as treat your debtors with respect and dignity.You can read a complete review of Summit Account Resolutionon our sister site,business.com.Best B2B Collection Agency Prestige Services Inc.Prestige Services Inc. (PSI) is our choice as the best B2B collection agency due to its extensive features and excellent customer service. It provides standard commercial collection agency features precollections, demand letters, final notice forms as well as advanced techniques like skip tracing, litigation and an online portal.Because commercial and consumer debt collectio ns are typically handled differently, it is ideal to use an agency that specializes in one of these areas, rather than both. PSI specializes in B2B collections, and it collects debt repayments throughout the United States, Canada and Mexico.PSI requires a $200 minimum collection balance and charges on a contingency fee basis. The agencys rates are generally 5 to 10% lower than many competing agencies. For accounts with a balance of $200 to $3,000, PSIs rate is 25 percent. For accounts with a balance ranging from $3,000.01 to $20,000, the rate is 22 percent. Rates are negotiable, and volume discounts can also be applied. Litigation fees are extra and can go up to 40 percent. PSI provides timely, efficient collection services according to the agency, they typically reach a resolution with the debtor within the first 45 days after collections commence. After your debtor pays PSI, the agency releases an end-of-month remittance check to you, complete with payment details.On its website, PSI features two customer portal options the placement portal and the status portal. Within the placement portal, you can get a free prozentanteil on a past-due account youd like to turn over to PSI, and you can submit new accounts to PSI. The status portal provides live status updates for each account youve submitted. Within each status update, PSI includes detailed notes about the interactions between the collection agency and the debtor.You can read our full review of Prestige Services Inc. on our sister site, business.com.Best B2C Collection Agency Rozlin Financial Group Inc.Rozlin Financial Group Inc. (RFGI) is our choice as the best B2C collection agency. It offers all the necessary features and services a business needs to recover payment on delinquent B2C accounts. It provides its clients with online account access (with up-to-date status reports on its collection efforts), great reporting and customized approaches to debt recovery. Additionally, it uses advanced skip-traci ng techniques to locate debtors, and as a belastung resort, it can forward on your claim to attorneys for legal action.RFGI services dental and medical practices, hospitals, schools, real estate and property management companies, utilities, retailers, and lending service providers (leistungspunkt cards, auto loans, mortgages, etc.).RFGIs fees are based on how much money they recover from the debtor. If they are unable to collect on an account, there is no charge. RFGIs requires a minimum of five accounts. To request a price prozentanteil, you can call RFGI toll free, or you can complete a form on the agencys website to have a representative contact you.RFGI collection agents are required to participate in active training to stay up to date on the best collection techniques. This allows them to provide a tailored approach for each of your consumer collection accounts while complying with the latest laws and regulations.Debtors can pay RFGI via check, leistungspunkt card or through an online payment portal. Once RFGI receives a payment, it mails you a check. If your debtor pays monthly, RFGI will send you a remittance check each month. If your account requires legal action, RFGI can refer your account to the appropriate parties for litigation.You can read our complete review ofRozlin Financial Group Inc. on our sister site,business.com.When to Hire a Collection AgencyWhen it comes to collecting outstanding debt, generally, the more time that passes, the lower the gelegenheit you have of recouping the money. fruchtwein companies send past-due accounts to a collection agency when they are between 90 and 120 days past due. If you wait longer than 120 days, you are far less likely to ever recover the debt.Its time to start thinking about hiring a reputable collection agency when ...New customers do not respond to your first attempt to collect the debt. When you do not have a payment history with the customer, theres a greater chance they will refuse to pay.Youve agr eed to a payment plan, but the customer doesnt follow through. Customers who still wont pay after youve both worked out a payment plan are unlikely to pay what they owe you.A customer completely denies responsibility for the debt. Unless you enlist the help of a collection agency, these debts are rarely recovered.The customer makes unfounded complaints about your business, product or service as an excuse not to pay. Most of the time, these complaints are just an excuse to get out of paying the debt.The customer has a history of financial irresponsibility.If you have a delinquent account that matches any of these descriptions, there are certain steps you can take before hiring a collection agency. First, reach out to your debtor multiple times, in a polite but firm manner. If phone calls and emails dont work, send a formal demand for payment letter. This letter details the payment that needs to be met and is often required if you eventually file suit against the debtor.If you have ex hausted all of your options and arent getting anywhere with a delinquent customer on your own, further attempts to collect the debt are better left to a professional agency that knows the appropriate way to collect debts while adhering to the Fair Debt Collection Practices Act. They may recover at least a portion of what youre owed, if not all of it.Choosing a Collection AgencyThere are more than 4,000 collection agencies in the United States alone. Some handle consumer debt collection (B2C), while others specialize in commercial debt collection (B2B). Each collection type is investigated differently however, many agencies handle both.1. Determine if it fits your needs.Not all agencies will fit your specific business needs it is important to carefully assess which agencies will. Some agencies cater to businesses of certain sizes (small business versus an enterprise), some focus on a specific region (local, national or international). Beyond basic collection efforts, some agencies pr ovide additional services, such as billing, precollections, credit reporting and account receivables consulting. It is important to identify if an agency is well-suited for your business and will provide all the features you need. 2. Determine if it specializes in your industry.Some collection agencies, primarily consumer agencies, specialize in specific industries, such as healthcare, insurance, utilities, credit cards, mortgages or auto loans, while others service a range of industries. If you provide a product or service within a very specific industry, the experience a collection agency has in that industry can be the tie-breaker between two reputable collection agencies you are considering hiring.It is important to hire an agency with an established track record of successful collections in your industry. The agency should be familiar with the terminology in your industry as well as state and federal rules and regulations governing your industry, if applicable. If youre in the healthcare field, for example, the collection agency you hire must be well versed in insurance requirements, medical terms and important laws like HIPAA.3. Find a reputable agency.Here are some tips to help you pinpoint a reputable, effective agency.Ask for referralsfrom your attorney, accountant or trusted business associates in your industry. Go beyond just asking for agency names. Find out why the rolle is recommending that particular agency. Does it have a high success rate? Are they known for their strict adherence to laws?Search the directoryof the Association of Credit and Collection Professionals (ACA) to find a member agency licensed in your city or state. ACA International is a nonprofit that establishes ethical standards for the industry and requires that its members adhere to them.Check the Better geschftliches miteinander Bureau (BBB)for ratings on the collection agency you are considering. One or two complaints can be a fluke multiple complaints are a red flag.Make sur e the company is state licensed and/or bonded, if applicable. Many states require one or both.Find out where the agency is licensed. If you only do business locally, an agency that is licensed only in your state is fine. If you have customers across the U.S., find an agency licensed in all applicable states.Determine whether the company is insured. Errors and omissions liability insurance (EO) is often a sign of a reputable agency. EO insurance provides coverage for claims brought by consumers for improper conduct, such as harassment. In many cases, that coverage extends to your business. While EO insurance is not required by federal or state laws, its a sign of good faith.Visit the collection agency. Before you commit, sit down with the collection agency to learn more about them. Theres a lot you can tell about whether the agency is reputable by talking to them and how they handle delinquent accounts. Ask to see proof of results What percentage of debts have they successfully colle cted? Find out which tactics and technologies the agency uses in its collection efforts. Ask for references and check them. If the company doesnt seem like a good fit, trust your instincts and move on.Dont worry too much about size. A large, national firm is not necessarily a better fit than a small, local one. It depends on your needs, the agencys strengths, its reputation and its track record.Properly trained collectors are crucial. Agents should be experienced and skilled negotiators. Find out if the collection agencys employees receive regular education and training. Courses are available through ACA and other membership organizations. If possible, arrange to listen in on a few calls before committing to a collection agency.Fair Debt Collection Practices ActWhen choosing a collection agency, integrity and reputation are among the most important considerations. A company that uses dubious methods to collect debt damages your reputation, too, costing you current and future custome rs. In worst-case scenarios, your company can face litigation for a collection agencys illegal practices, even if you were not aware of its actions.All consumer collection agencies are required to comply with a federal law regulating the industry known as the Fair Debt Collection Practices Act (FDCPA). Its important you know the law so you can hire a collection agency that abides by its precepts and avoids FDCPA violations.Under FDCPA, collection agencies ...Cannot call debtors before 8 a.m. and after 9 p.m., unless the debtor has agreed to it beforehandCannot call at inconvenient places. For example, if the debtor has requested to not receive calls at work, collectors can no longer call a debtors employerMust honor letters requesting that contact concerning a debt ceaseMust contact a debtors attorney if the debtor has oneCannot contact third parties (including family and friends) more than once. They can only contact the third party to find a way to contact the debtor, and they can t state the consumer owes debtMust send the debtor validation and verification of debtCannot threaten harm or violenceCannot threaten garnishment, seizure of property or other legal action unless the agency is intending to take action (and is legally allowed to take that action)Cannot make false statements, such as that the debtor has committed a crime or that the collector is an attorneyCannot send documents that look like court or legal documents but arentFDCPA only applies to consumer debt, not debt that someone accrued while running a business.Many, but not all, states require collection agencies to be licensed and/or bonded. Always find out what your state requires and check whether the collection agency youre considering is compliant. While membership to ACA International is not mandatory, it does mean the agency has been vetted.If this is a commercial or B2B debt, look for a collection agency certified by the Commercial Law League of America (CLLA) and one that is a member of the Commercial Collection Agency Association (CCAA). Like ACA International, both require commercial collection agencies to follow a strict code of ethics, proper accounting principles and to be bonded.Aside from the lack of proper licenses and certifications, another red flag is whether the service has been sued. Its usually easy to uncover past (or current) lawsuits with a simple Google search.Debt Collection Fee StructuresThere are many factors that determine collection agency fees, including the size of the debt portfolio, the type of work required to collect the debt, the age of the account, the agencys experience and more.There are two main types of fee structures. The most common type a contingency fee is a form of tiered pricing, that only applies when an agency collects. The less-common type of fee structure is a fixed rate, or fixed fee, that is charged upfront.Contingency FeesContingency fees are charged as a percentage of collected debt, and they are typically negotia ble, especially for accounts that have a significant balance that is owed. Contingency fees, on average, range anywhere from 20 to 50% depending on the size of the debt and the age of the delinquent account. Some agencies display their rates on their websites. Most, however, require you to contact the firm for an exact rate on your accounts.The lowest rate doesnt always mean the best results. Pay attention to the return rate. If you pay a 25% fee on a $1,000 debt and the agency collects only $300, your return is $225. However, if you pay a 35% return rate and the agency collects $500, you reclaim $325. Talk to agencies but also do your due diligence (checking references, looking up customer reviews, etc.) to see how well an agency performs in recouping debts and its return rate.Fixed FeesAlthough its not as common, some agencies charge a fixed fee for collections. The fee is paid upfront, and you keep 100 percent of what funds the agency recoups for you. An agency will typically onl y agree to do this if the debt is less than 90 days old otherwise known as precollection or just over 90 days old. This rate structure is rare, but it can save you money on collection fees if you are seeking collection on newly delinquent accounts.When assessing which fee structure is right for you, carefully consider the age, volume and breadth of your accounts. If you ask for a quote over the phone, request that the agent send you an email of the quote for future reference. Keep in mind, too, that many agents may negotiate on pricing if you ask.How Collection Agencies Use Technology to Recover MoneyThe best collection agencies use tools such as technologies, partnerships with other agencies and attorneys, and a highly skilled and trained staff to recover money owed to your business.Heres more about the tech they use to locate debtors and recoup money owed to you.Skip-tracing serviceslocate customers who are hard to find. Typically, agencies consult databases that allow the colle ction firm to find debtors who have moved without leaving a forwarding address. Many agencies offer this service, but some provide advanced features that allow them to find even the hardest people to locate. If an agency does not offer skip tracing, it will have a much harder time finding debtors who have moved or fled the state, and the chance of you recovering any money is very slim.Todaystechlets you go beyond phone calls and snail mail collection firms work more directly with debtors to negotiate payments. These strategies appeal to younger debtors and those who are uncomfortable discussing their payment obligations over the phone.Algorithm-based collectionstailor collection strategies to the debtor. Collection agencies can build a profile to better understand the debtor and the right way to resolve the debt. Often, email is the first form of communication, rather than a formal letter.Online accessallows you to quickly submit new delinquent accounts, monitor the status of curren t accounts, communicate with the agency and run reports on the status of your collections. This is especially helpful if you have multiple past-due accounts and time is of the essence.October 2019 Businesses should be diligent in choosing a collection agency that abides by the current laws and regulations regarding the use of tech in debt collections. The Consumer Financial Protection Bureau proposed the use of digital recovery notices (e.g., emails, texts and hyperlinks) for consumer debt collections. The U.S. Court of Appeals denied this proposal, claiming that this poses many threats to consumers rights, including those protected under the Fair Debt Collection Practices Act. Ensure that your debt collection agency is conscientious in how it uses technology for collections. How to Work with Your Collection AgencyYou want a collection agency that is a partner, not just a contractor. To that end, youll need to invest effort into managing the relationship. The agency should be willin g to meet face to face periodically to review the status of your accounts, and they should promptly return phone calls and emails, ideally within one business day.Theres work to do on your end as well. To boost your chances of recovery money rightfully owed to you, provide the agency with as much information about the debtors as possible, including the followingNames, addresses and telephone numbersCell phone numbers and email addressesNames of the debtors spouse, friends, relatives and neighborsInformation about whether the debtor has responded to your debt collection efforts, and if so, howDetails about the purchase or transaction, including the dateAny paperwork related to the transaction, including contracts and credit applicationsNicknames, maiden names and aliasesThe more information the agency has, the more money you collect.Vendor ListHere is a full list of collection agencies and a summary of what each company claims to offer. This alphabetical list also includes our best p icks, which are marked with badges.Account Management SystemsAMS collects commercial debts. Based out of Tampa Bay, this debt collection service collects debts nationwide, charges no upfront or sign-up fees, and only collects money if they recoup your debts.https//www.amscollects.com/Alexander, Miller Associates LLC Alexander, Miller Associates is a national agency that specializes in large-balance collections. It offers demand letters, commercial credit reports, onsite investigations, prelitigation services and skip tracing. The vendor states it has collectors who specialize in trucking transportation and freight, wholesale seafood and produce, restaurant supply, and heavy equipment rental.https//www.amafirm.com/Asset Compliant Solutions Asset Compliant Solutions is a commercial collection agency that offers standard collection services as well as 45-day delinquent secured collateral loans, unsecured open and revolving lines of credit and an online portal. https//www.acs-cam.com /collectionAtradius Collections Although Atradius Collections is primarily a UK-based commercial collection agency, it also has a base in the United States. It specializes in multinational accounts and offers collection services to over 30 countries. It has a very high return rate. To get a free quote on pricing, you can access their online portal. https//agora.atradiuscollections.com/us/Aspen National Collections Aspen National Collections works with timeshare and education industries, as well as municipalities and utilities, to collect outstanding debts. It creates debt collection strategies tailored to each client it works with. This agencys website has an online portal so clients can log in and monitor the progression of their past-due accounts. http//aspennational.com/collections/Benjamin Michael AssociatesInc. Benjamin Michael Associates is based in New York City. The firm utilizes several techniques, such as demand letters, skip tracing, and reports on demand, to help you recover debt from delinquent accounts.http//www.benjaminmichaelassociates.com/Credit Management Company Founded in 1966, Credit Management Company recovers debts for government, healthcare, higher education, financial services and commercial businesses.It has an online system for debtors to make payments. In addition to collection services, it offers claims resolution services.http//www.creditmanagementcompany.com/Debt Recovery Resources This is a full-service debt collection agency that not only helps recover debts but can help its clients improve their internal debt collection processes. Debt Recovery Resources can manage accounts receivable, perform free legal hintergrund checks and find debtors.https//www.debt-rr.com/FCR Collection Services Powered by FEDChex, FCR Collection Services offers several payment solutions to companies nationally. Services include check verification, automated clearinghouse, remote deposit capture, electronic payments and risk management.https//www.fc rcollectionservices.com/Hunter Warfield This collection agency provides services to a variety of industries, including property management, medical offices, financial services and commercial collections. This collection agency is best suited for businesses that provide credit on goods or services, or have extended, relationship-based contracts. https//www.hunterwarfield.com/Martini, Hughes Grossman Martini, Hughes Grossman offers customized approaches to debt collection. It has in-house legal advisors, skip-tracing technology, it sends status reports bimonthly, and it collects both B2B and B2C accounts. It can track down debt nationally and internationally and is accredited with the Better Business Bureau.http//mhg.bz/National Service Bureau National Service Bureau serves both B2B and B2C collections. It offers precollections, third-party collections, letter services, litigation and skip tracing to a variety of industries. These industries include commercial, education, financia l, insurance, medical, telecom and utilities. http//nsbi.net*Prestige ServicesInc. PSI is our choice for the best B2B collection agency. It provides commercial collection services throughout the United States, Mexico and Canada. It provides professional skip tracing to help locate debtors, and it can investigate businesses. If the debtor wont pay even after all of PSIs efforts, the agency can forward the account to an attorney in the debtors area.https//psicollect.com/Rapid Recovery Solutions Rapid Recovery Solutions provides collection services both nationally and internationally. It caters towards all commercial accounts and medical billing accounts by using a four-step system to collect funds from debtors. http//rapidrecoverysolutions.com/Revenue Assurance PartnersThis solution customizes its service to your business. You can outsource as many or as few internal processes as you want. The company states it has over 50 years of experience collecting past-due accounts. It also pro vides auditing, reporting, legal forwarding and other collection services.https//rapcollect.com/Rocket Receivables This debt recovery agency supports collections for small- and mid-sized businesses. It focuses primarily on industries including healthcare, education, professional services, residential, commercial, contracted services, trades and general retail. It offers fixed-fee pricing for newly-delinquent accounts, as well as contingency pricing for older accounts.https//www.rocketreceivables.com/Ross, Stuart Dawson Inc. This commercial collection agency provides collection services to businesses throughout the United States. It can help you with follow-up letters and statements, soft calls, credit reports and portfolio liquidation services. http//rsdcollects.com/*Rozlin Financial Group Inc. RFGI is our choice for the best B2C collection agency. It uses a tailored approach to connect with debtors, including phone, mail, email and online chat. It offers collection services for a variety of industries, including dental and medical offices, hospitals, schools, property management companies, utilities, retailers and lending service companies (e.g., credit cards, auto loans, mortgages). It is a Better Business Bureau-accredited agency. https//www.rfgionline.com/Smyyth LLC Smyyth Collections LLC, partnered with Leib Solutions LLC, is a commercial collection agency that serves a variety of industries, including commerce, property and casualty insurance, health insurance, healthcare, law firms and CPA collection services. It provides basic collection services like first- and third-party collections, collection letters and call services, plus more advanced techniques, such as accounts receivable management and revenue cycle consulting. https//www.smyyth.com/solutions/collection-management/*Summit Account Resolution This agency is our pick as the best collection agency for small businesses, and it serves both consumer and commercial collections. It offers an onlin e portal, a skip-tracing department and litigation services. Once you sign up with this provider, you receive an account manager who is available to answer all your questions.https//www.summitcollects.com/The Kaplan Group The Kaplan Group is a commercial collection agency that specializes in international, judgement and large-balance claims. It requires a minimum of $1,000 to be collected on and has low contingency rates. It provides advanced collection services, such as background investigations, credit analysis, skip tracing, legal services and payment plans. https//www.kaplancollectionagency.com/TSI This agency provides collection services for commercial, education, financial, government and healthcare industries for both SMBs and enterprises. It provides basic collection services like demand letters, calls, and payment reminders, as well as more advanced services, such as first- and third-party accounts receivable management options and skip tracing. https//www.tsico.com/Tucke r, Albin Associates This B2B collection agency has a network of over 500 private investigators and attorneys to help with debt collections across the globe. It uses a tailored approach to collect on commercial debts.http//tuckeralbin.com/Vengroff Williams Inc. This agency focuses on four specific collection areas, including credit to cash, subrogation, revenue cycle management and collections business process outsourcing. It provides advanced collection tactics such as first- and third-party collections, nationwide subrogation management and claim recovery services. https//www.vwinc.com/VeriCoreThis international collection agency focuses on recovery, reporting and remittance. It provides a tailored approach to each collection account, ranging from soft to assertive. https//www.vericore.com/indexS.htmVerliance Inc. Verliance Inc. is a Better Business Bureau-accredited collection agency that focuses primarily on the insurance industry. It offers many advanced collection services li ke first- and third-party collections, benchmarking data, credit checks, delinquency rate modeling and asset searches. http//www.verliance.comYour Collection Solution This collection agency collects consumer and commercial debts. It has a contingency-based fee structure. Though headquartered in Florida, Your Collection Solution can work to recoup debt in the U.S. and in several other countries. The company states its management team has over 30 years of experience in the industry.https//www.ycscollects.com/Editors note Looking for a collection agency for your business? If youre looking for information to help you choose the one thats right for you, use the questionnaire below to have one of our vendor partners contact you about your needs. Skye Schooley Skye Schooley is an Arizona native, based in New York City. After receiving a business communication degree from Arizona State Univ ersity, she spent nearly three years living in four states and backpacking through 16 countries. During her travels, Skye began her blog, which you can find at www.skyeschooley.com. She finally settled down in the Northeast, writing for business.com and Business News Daily. She primarily contributes articles about business technology and the workplace, and reviews remote PC access software and collection agencies. 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