Top Debt Collection Agencies

Researched by:Goodfirms Research TeamUpdated:September 4, 2026

Goodfirms has reviewed 553 Debt Collection Agencies as of September 2026 across 61 countries. The top-ranked firm is Advanced Collection Bureau (5.0 stars, 10 verified reviews, < $25/hr, founded 1995, Rockledge). Across the category, the median hourly rate is $25, median client rating is 4.8, and 10% of firms employ 50+ members. Explore the vetted Debt Collection Agencies companies below, compare their strengths, and connect with the provider best suited to your requirements.

553Verified firms
$25/hrMedian hourly rate
4.8 ★Median rating
61Countries
10%Have 50+ members

Goodfirms has verified 553 Debt Collection Agencies - part of 18,811+ Business Services Companies reviewed across 61 countries, each passing Goodfirms' 4-step verification process (background check, client interviews, portfolio audit, ongoing quality review). Listings marked "Sponsored" are agencies that pay for premium placement - sponsorship does not affect star ratings or review content.

Top 10 at Glance

Compare the highest-ranked firms first side by side.

Rank
Company
Rating
Reviews
Hourly Rate
Team Size
Founded
Headquarters
Action

List of Best Debt Collection Agencies

Find a Debt Collection Company Near you
Find a Debt Collection Company Near you
Service
Hourly Rate
Employees
ReviewsAll Companies
Industry
Client Type
  • TGA was founded in 1995 by Managing Principal, Todd Gieger. TGA consistently ranks among the top commercial and consumer collection firms in the nation. We specialize in collecting delinquent receivables from small collection accounts to very large collection files of uncollected debts. Our seasoned national legal network of debt collectors and attorneys are available to ... read TGA Legal Collections reviews & insights

    < $25/hr
    10 - 49
    1995
    Jersey City, United States
  • Chase Receivables is a collection agency with a national presence. It is a California corporation and is fully licensed and bonded. Chase Receivables prides itself on maintaining its reputation as an industry leader. Over the years, we have consistently been ranked as a top performer in the Financial Services industry. Furthermore, Chase Receivables has an ... read Chase Receivables reviews & insights

    < $25/hr
    10 - 49
    1953
    Jersey City, United States
  • Independently owned and operated for nearly 60 years, with a rich regional history, Account Resolution Team was established in Morristown, Tennessee in 1962. Since that time, ART continues to provide cutting-edge collections solutions to many states in the Southeast, all supported by a staff with more than 70 years of experience. Formerly known as Tri-County ... read Account Resolution reviews & insights

    < $25/hr
    10 - 49
    1962
    Morristown, United States
  • Rhodes, Kelly & Associates, Inc. is a full-service, third party collection agency offering a variety of services that help you meet your collection needs and revenue goals.

    < $25/hr
    10 - 49
    2002
    North Carolina, United States
  • At the law firm of Chaplin & Gonet we understand the legal challenges businesses and insurers face in the Mid-Atlantic region. Our attorneys and staff bring decades of combined experience to bear on behalf of businesses and individuals in Virginia, North Carolina, South Carolina and beyond. Business clients often need the resources of a “large ... read Chaplin & Gonet reviews & insights

    < $25/hr
    10 - 49
    Charlotte, United States
  • We value teamwork and work together to create the best outcome for the customer. Accountability is important to us; we do what we say we will do, when we say we will do it.

    < $25/hr
    10 - 49
    1927
    Philadelphia, United States
  • Being a consumer today is far from simple, as there are many options when selecting household goods, financial products, and much more, as well as many companies competing for your business offering deals, discounts, and greater convenience. Consumers should be able to trust that these businesses are being truthful and straightforward and that they will ... read The Kim Law Firm reviews & insights

    < $25/hr
    10 - 49
    2001
    Philadelphia, United States
  • If you find yourself the victim of unfair business practices, credit reporting fraud, debt collection harassment, disingenuous insurance practices, or any other consumer issue, Louis Schwartz and his team can intercede for you. Our Philadelphia consumer lawyers will help you throughout your case—fighting alongside you passionately to ensure you are treated with appropriate professionalism in ... read ConsumerLawPA, reviews & insights

    NA
    2 - 9
    Philadelphia, United States
  • Credit Management Company, headquartered in Pittsburgh, PA, has been providing full-service accounts receivable and collection management programs across several industry segments since 1966. Our clients reside in the healthcare, government, education, and consumer industry sectors. All have benefited from either our standard or customized outsourcing programs to improve their bottom line.

    < $25/hr
    10 - 49
    1966
    Pittsburgh, United States
  • Advantage Credit Counseling Service, Inc. (ACCS) and Consumer Credit Counseling Service (CCCS) are non-profit 501(c)3 organizations that have been successfully assisting consumers with financial debt for over 50 years by providing expert credit counseling and our debt management program. As a certified non-profit credit counseling organization incorporated in 1968, Advantage Credit Counseling Service educates consumers ... read Advantage ccs reviews & insights

    < $25/hr
    10 - 49
    1968
    Pittsburgh, United States
  • Finance System, Inc. is one of the fastest growing accounts receivable management firms in the country, managing over $40 million annually. We proudly serve clients in the medical, education, utilities, business and other competitive industries. We use the personal attention of a family-owned business and offer decades of experience, fast service, customized solutions and cutting-edge ... read Finance System reviews & insights

    < $25/hr
    10 - 49
    1955
    Richmond, United States
  • Frontline Collections is an FCA Regulated specialist Private Debt Collection Agency located in the UK. They provide expert personal debt recovery services to indivduals and public serving businesses nationwide. They can help with single debt instructions through to the recovery of debt poftfolios. A highly regarded debt collection agency, they recover millions of pounds every ... read Frontline Collections reviews & insights

    < $25/hr
    10 - 49
    2005
    Manchester, United Kingdom
  • We collect debts that another debt collection agency simply cannot budge. If your debts total the value of £500 or more throughout the UK and overseas, then Jack Russell can help you right now, let us haul in the money you are owed. We have offices nationwide; deploy in full our 30 years of professional ... read JACK RUSSELL DEBT COLLECTION reviews & insights

    < $25/hr
    10 - 49
    1988
    Manchester, United Kingdom
  • Lovetts Solicitors provides a dedicated fixed fee service across all four main stages of the UK debt recovery process, including Letter Before Action (LBA), Issuing Court Claims, obtaining a County Court Judgment (CCJ), Enforcement of a CCJ, and additionally if necessary Insolvency Proceedings.

    < $25/hr
    10 - 49
    1994
    Manchester, United Kingdom
  • Dynamic Collectors, Inc. has provided decades of premier debt-recovery services for all of Washington since 1990 and is locally owned and operated. Dynamic Collectors, Inc. provides impeccable service through its professional team of client service representatives, collectors, legal personnel, and support staff. Because of our professional and compassionate staff- we are able to resolve more ... read Dynamic Collectors Inc reviews & insights

    NA
    2 - 9
    1990
    Chehalis, United States
  • Sentry Credit, Inc. was founded by two young men who previously had worked as collection managers for a large national agency. Their experiences led them to believe they knew a better way. In June of 1992, their vision was realized, as Sentry Credit was born. Their mission was to create an agency that broke the ... read Sentry Credit Inc. reviews & insights

    NA
    2 - 9
    Everett, United States
  • Southwest Collection Service Inc. (SCS) has helped manage California business’s accounts receivables since 1978. We are a boutique organization that specializes in creating solutions for your specific business environment. Our clients come to us because we believe in obtaining the greatest possible return on your accounts while maintaining your reputation and image.

    < $25/hr
    2 - 9
    1978
    Orange County, United States
  • DRA is not a typical collection agency. DRA has abilities that far surpass that of a collection agency. Simply put if you received a collection letter from a collection agency or from a law firm, which would get you to pay? From the initial demand letter to jury trial our lawyers get the job done. ... read Debt Recovery Attorneys reviews & insights

    < $25/hr
    2 - 9
    Irvine, United States
  • Lynn Izzo is the founder of Debt Collection Consultants located in Orange County, California. Lynn has a Bachelor’s degree in business management and is also a certificated paralegal. Lynn is an organized, reliable professional with an extensive collections paralegal background and refined customer service and negotiation skills. She can show you how to efficiently reduce ... read Debt Collection Consultants reviews & insights

    < $25/hr
    2 - 9
    2005
    Tustin, United States
  • DAVIS AND GOLDMARK, INC. is a full service agency established in 1975 and incorporated in 1978 that provides worldwide commercial and consumer collections with state of the art technology, client services, and recovery strategies. We apply every resource, including a highly tenured, multicultural, and multilingual professional collection staff, to each and every account assigned. We ... read DAVIS AND GOLDMARK, INC. reviews & insights

    < $25/hr
    2 - 9
    Riverside, United States
  • First Financial Resources, Inc. is a contingency-based collection agency located in Framingham, MA. FFR has established its portfolio by partnering with over 1,300 businesses nationwide in industries such as medical services, educational institutions, CPAs, law firms, & financial institutions. As a third party debt recovery agency, FFR has taken pride in the ability to tailor ... read First Financial Resources, Inc. reviews & insights

    NA
    2 - 9
    1990
    Framingham, United States
  • Recovery specialist; Nikki Hewitt has over 14 years experience in the collections field. She is a UC Davis graduate with an associates degree in finance.

    < $25/hr
    2 - 9
    Riverside, United States
  • Over the years, RMC has developed with online access for clients to submit claims and check their status. We have cultivated revenue cycle and analytic collection reviews, debtor database matching, outsourcing, and insourcing, and a host of other services. RMC's goal is to reduce your bad debt and allow time to effectively operate your business. ... read Receivable Management Corporation reviews & insights

    NA
    2 - 9
    1990
    Woburn, United States
  • Our programs combine leading edge technology with seasoned collection professionals to achieve the highest recovery rates without creating customer service problems.

    < $25/hr
    2 - 9
    Sacramento, United States
  • As a leader in contact center solutions and accounts receivable management for over 5 decades, we pride ourselves on treating your business as an extension of our own. Our mission is to provide exceptional performance to our clients while maintaining the very highest ethical standards. We tailor our efforts to meet the needs of our ... read Associated Credit Services, Inc. reviews & insights

    NA
    2 - 9
    1969
    Westborough, United States
  • We are a licensed and bonded collection agency founded in 2001 that collects commercial, retail, and judgment debts. We have credit reporting, collection letter services, phone calls, dunning letters, legal action (small claims, civil court, and Superior Court), and post judgment recovery. Did we forget anything? The way we see it, every business is different. ... read Judgment Acquisitions Unlimited reviews & insights

    NA
    2 - 9
    2001
    Framingham, United States
  • When you work with Specialized Collections Bureau Inc., you are connected with an educated and professional team with extensive knowledge on revenue management. Our partnership will provide results that will allow your company to reduce losses. Every collection effort we make, whether it is a friendly reminder call or demand letter, we are professional, effective, ... read Specialized Collections Bureau reviews & insights

    < $25/hr
    2 - 9
    San Diego, United States
  • America’s Debt Solutions, LLC is a comprehensive Debt Consulting Company. ADS has adeptly represented a wide-ranging variation of debt solutions. Operating with years of unparalleled experience in Debt Brokering, Debt Purchasing, Debt Collection Services & Receivables Management, Credit & Repair Assistance and helping consumers with a variety of Debt Resolution Programs that no other debt ... read America’s Debt Solutions reviews & insights

    < $25/hr
    2 - 9
    2019
    San Diego, United States
  • CTI, Inc. specializes in collecting student loan and tuition receivables for colleges and universities. For more than 35 years, CTI has successfully managed student loan and tuition accounts while preserving the relationship between the school and student. ​We are committed to excellence and aim to deliver the maximum return on each account placed.

    NA
    2 - 9
    1993
    Woburn, United States
  • For nearly 60 years, Mr. Terry Taylor CEO of Dynamic Legal Recovery has been committed to your success with financial recovery solutions that vigorously improve your cash flow. Our highly trained debt collection specialists and our in-house litigation department are here to serve all of your delinquent accounts receivables collection needs. Dynamic Legal Recovery is ... read Dynamic Legal Recovery reviews & insights

    < $25/hr
    10 - 49
    1998
    Valencia, United States
  • Wealth Recovery Solutions, is modernizing the process of debt collection. A progressive company focused on delivering results the best possible way for customer experience. Located in the heart of Silicon Valley, next to the Santa Clara Superior Court & Post Office. WRS has remarkably high-volume return rate in collecting accounts for businesses, individuals, public and ... read Wealth Recovery Solutions reviews & insights

    < $25/hr
    2 - 9
    San Jose, United States
  • Mezzetti Financial Services Inc. provides accounts receivable management and judgment recovery for consumers and commercial businesses since 1999. Through collection and enforcement of judgement, our team makes sure that you receive your outstanding payments. We offer assistance to a variety of industries including property management, healthcare, insurance providers and more! With our knowledge and expertise, ... read Mezzetti Financial Services Inc. reviews & insights

    < $25/hr
    2 - 9
    1999
    San Jose, United States
  • Business and Professional Collection Service, Inc., began as a family business in 1961, and it’s been family-owned and operated ever since. Headquartered in Reno, Nevada, our business was built on a philosophy of professionalism, and our success is driven by our commitment to excellent customer service for our clients and consumers. That’s how it began, ... read Business and Professional Collection reviews & insights

    < $25/hr
    10 - 49
    1961
    Reno, United States
  • Low Service Fees- 10% or Less and No Fees Unless We Collect. Many agencies ask you to pay them to send a letter and maybe make a phone call. At TCR, if your account is less than 60 days past due, we only charge 10% or less based on volume. Only if we collect do ... read Total Credit Recovery reviews & insights

    < $25/hr
    10 - 49
    Las Vegas, United States
  • Established in 1996, Aargon Agency, Inc. has become a national leader in the debt collection industry. We offer state-of-the-art technology along with proven debt recovery strategies to provide consistently superior results for our clients. We offer a range of national debt recovery services as well as first party, early-out pre-collection & billing services.

    < $25/hr
    10 - 49
    1996
    Las Vegas, United States
  • The # 1 Rule of Debt-Recovery: Time is of the Essence. The probability of collecting an account 61+ day’s past due is only 60%. As a result, the account’s original dollar value has depreciated to 60% of the original balance.* As a Top Business Debt Collection Agency in the U.S. – Burt And Associates has ... read Burt and Associates reviews & insights

    < $25/hr
    10 - 49
    1979
    Las Vegas, United States
  • Founded in Las Vegas in 1997 with a vision for providing exceptional results and services, PlusFour Inc. has worked to change the way that credit collection services function and find innovative solutions to common debt-recovery roadblocks.

    < $25/hr
    10 - 49
    1997
    Las Vegas, United States
  • Highland Collection Agency (HCA) was established in 1991. We provide third-party collection agency services to business clients of all sizes. As a wholly-owned and operated division of Diversified Credit Services, Inc., Highland Collection Agency offers services worldwide for business-to-business collections. HCA can serve as an extension to your business’s accounts receivable department. By offering third-party ... read Highland Collection Agency reviews & insights

    NA
    2 - 9
    1991
    Woburn, United States
  • Welcome to the website of the collection agency LLC Anti-Crisis Center "Berkut". Our profile is the return of debts, work with all types of debts. Thanks to our extensive experience, our specialists will help you solve any problems with an unscrupulous borrower. We will not give a chance to malicious non-payers. Debt recovery is our ... read Berkut reviews & insights

    < $25/hr
    10 - 49
    Moscow, Russia
  • The Russian law firm Herman & Smith, established in 2004, has expanded in Central and Eastern Europe offering a wide range of legal services for international clients. We have also collaborated with experienced lawyers from USA, Asia and Latin America and now we have company partners in: UK (London), France (Paris), Germany (Berlin), Switzerland (Geneva), ... read LawyersRussia reviews & insights

    < $25/hr
    10 - 49
    2004
    Moscow, Russia
  • 180 Resolutions is a licensed and bonded program of the New Mexico Educational Assistance Foundation - NMEAF.org, a 501(c)(3) private, non-profit New Mexico corporation. Every dollar earned above expenses is used for our public service mission to help students and families plan, prepare, and pay for post-secondary education.

    < $25/hr
    10 - 49
    Albuquerque, United States
  • We enjoy suing businesses that lie to and rip off ordinary people. Our three lawyers work full time in consumer law. We have been the leader in fighting for New Mexico consumers for more than 20 years. Our offices are located in Albuquerque, but we accept cases throughout New Mexico, including cases for consumers in ... read Feferman, Warren & Mattison reviews & insights

    < $25/hr
    10 - 49
    Albuquerque, United States
  • Founded in 1989 and with the vision to simplify risk management software, EXUS launched its Financial Suite (EFS) in 2003 with the aim to support financial entities worldwide to improve their results.

    < $25/hr
    10 - 49
    1989
    London, United Kingdom
  • Established in 2001 with a simple philosophy: provide customer service to all clients in an industry where customer service is not the standard. We want to stand out in a crowd of countless agencies claiming to provide excellent service and results, when the typical collection agency will actually turn away accounts based on the amount ... read Effective Debt Recovery reviews & insights

    < $25/hr
    10 - 49
    2001
    Boulder, United States
  • American Credit is an owner-operated collection agency with over 25 years of industry experience. American Credit provides personalized and professional service with the highest level of accountability for clients throughout the US. We free our clients from concerns about unprofessional tactics that negatively impact reputations built over many years. American Credit’s collection system has the ... read American Credit Management reviews & insights

    NA
    2 - 9
    1996
    Tewksbury, United States
  • Located in the charming city of Santa Rosa, California, in the heart of scenic Sonoma County wine country, Tavelli Co., Inc. has over 37 years of unparalleled experience in the debt collection and receivables management industry.

    < $25/hr
    10 - 49
    1983
    Santa Rosa, United States
  • PIF began collection operations in 2002 and since that time has grown to become one of the most effective service organizations in the industry. We have found that to be successful, the collector must utilize non-alienating communication techniques to achieve payment, because if the collection process makes an enemy of your consumer, payment is much ... read Paid In Full, Inc. reviews & insights

    < $25/hr
    2 - 9
    Phoenix, United States
  • ​Action Recovery Online is a professional debt collection agency that strives for excellence with every attempt to collect on all your outstanding debts. ​ We specialize in providing comprehensive, cost-effective receivables management and collection services for businesses nationwide.

    < $25/hr
    2 - 9
    Phoenix, United States

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The Magical Quadrant

Hover any bubble for the firm's exact scores. Filter the view using the controls on the right.

360-PERFORMANCE VIEW (Y) →
0255075100
Industry ContendersIndustry LeadersUpcoming AchieversMarket Influencers
0255075100
CORE COMPETENCIES (X) →

The four quadrants explained

Each card shows the count of firms in that quadrant and the top 5 by composite score.

Industry Leaders
Top-right · Both axes ≥ 50
2FIRMS

Strong on both Core Competencies and 360-Performance. These firms have proven track records, deep specialisation, and solid client outcomes. Default recommendation for most buyers.

Industry Contenders
Top-left · Y ≥ 50, X < 50
2FIRMS

Strong execution but broader service mix. High-quality generalists - good fit if your project crosses multiple disciplines in one engagement.

Top 5 by composite score

1OnHires38 / 742Techunting39 / 52
The Industry Leaders in detail

The 2 highest-scoring firms in the Industry Leaders quadrant. Each has both Core Competencies and 360-Performance ≥ 50. Click any card for the full profile.

How firms are placed on the matrix

Every position on this chart is the output of the Goodfirms ranking algorithm - a weighted composite of signals across two axes. The algorithm is recomputed regularly and is fully documented.

Sponsorship does not affect placement. PRO members receive visible badges and ad placements, but their algorithmic scores are calculated identically to free listings.

Read the full methodology
Algorithm at a glance
1
X-axis (Core Competencies): Service Focus Ratio + Portfolio Depth + Quality + Experience
2
Y-axis (360-Performance): Client Reviews + Market Presence + Goodfirms Score
3
Missing signals are excluded from a firm's score, not substituted with defaults - weights redistribute across remaining inputs
4
Recency decay over the last 18 months keeps stale reviews from dominating
5
Eligibility floor: ≥ 1 published review in this category scope

Where the firms are.

Bubble size shows how many firms each country has; colour shows its average hourly rate. Tap any country for its firm count, average rate, rating, and Value Score.

Loading map…

Average hourly rates by region.

Where you hire affects what you pay by up to 3×. Comparable quality is available across regions - the rate gap between the priciest and cheapest is the single biggest lever on a project budget.

Average hourly rate · USD

MXLATAM$35/hr$35
UAEastern Europe$31/hr$31
USNorth America$30/hr$30
SGAsia Pacific$30/hr$30
ZAAfrica$30/hr$30
INSouth Asia$29/hr$29
GBWestern Europe$26/hr$26
AUOceania$25/hr$25

What the gap actually buys you

The rate gap between the highest- and lowest-cost regions is largely a cost-of-living and labor-market gap - not a quality gap. Top-tier firms in lower-cost regions routinely deliver work competitive with premium markets at a fraction of the cost.

That said, time-zone overlap, language alignment, and IP protection vary by region. Eastern Europe and LATAM hit a sweet spot: meaningful cost savings with same-day overlap for US/EU clients.

~70%

Typical cost savings when moving a $100K/year dev contract from a premium market to a top value destination - comparable skill, comparable delivery quality.

All countries ranked by Value Score.

Every country with 100+ vetted firms in this category, ranked by Value Score.

CountryFirmsAvg RateAvg RatingValue ScoreAction
USUnited States181$30/hr4.781View firms
USUnited States
181 firms$30/hr4.7
Value Score81 / 100

Match by work-hour overlap with your team.

Cost matters - but so does being able to actually talk to your developer during your workday. Here are the best destinations for each major hub.

If you're in US (PT/ET)Recommended

Look for nearshore LATAM partners - same-day collaboration, similar time zones, and 50-60% cost savings vs domestic.

MXMexico~7h overlap
ARArgentina~6h overlap
BRBrazil~5h overlap
CACanada~8h overlap
If you're in Europe (CET/GMT)Recommended

Eastern Europe is your sweet spot - 1-2h time zone shift, EU GDPR alignment, and 40-50% lower rates than Western Europe.

PLPoland~8h overlap
UAUkraine~7h overlap
RORomania~7h overlap
ZASouth Africa~8h overlap

How firms are placed on the matrix

Every position on this chart is the output of the Goodfirms ranking algorithm - a weighted composite of signals across two axes. The algorithm is recomputed regularly and is fully documented.

Sponsorship does not affect placement. PRO members receive visible badges and ad placements, but their algorithmic scores are calculated identically to free listings.

Read the full methodology
Algorithm at a glance
1
X-axis (Core Competencies): Service Focus Ratio + Portfolio Depth + Quality + Experience
2
Y-axis (360-Performance): Client Reviews + Market Presence + Goodfirms Score
3
Missing signals are excluded from a firm's score, not substituted with defaults - weights redistribute across remaining inputs
4
Recency decay over the last 18 months keeps stale reviews from dominating
5
Eligibility floor: ≥ 1 published review in this category scope

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Countries with the best Value Score for business services hiring.

Ranked by a composite score blending firm count (supply), average rating (quality), and median hourly rate (cost). Affordability is weighted highest (50%), so this list surfaces actually affordable destinations rather than just-big markets.

Budget leader
United States · $0-24/hr

121 firms in this tier - more than any other country, averaging 4.5 ★. Top picks: Advanced Collection Bureau, J.J. Marshall and Associates, American Profit Recovery.

Mid-tier leader
Turkey · $50-99/hr

2 firms in this tier - more than any other country. Top picks: Euroline International, cindemir law office.

Top tier leader
United States · $150+/hr

3 firms in this tier - more than any other country. Top picks: EXCALIBUR Private Investigation, Acuity Accounting, Longrifle AI.

Loading heatmap…
Cell intensity (firm density):
Low
High
Best Value marks the densest, highest-rated, most-affordable cell per row

How the heatmap is built

Every cell in the grid above is the count of firms in (place × hourly-rate tier). Firms are placed by their published hourly rate; those without a disclosed rate are not plotted.

Top company names per cell are surfaced by Value Score - a weighted blend of affordability (50%) + rating (35%) + review volume (15%).

The "Best" ribbon marks the cell in each row where firm density, ratings, and affordability line up best - the densest, highest-quality combination.

Read the full methodology
Value Score · per firm
ValueScore = 0.50 × Affordability
+ 0.35 × Rating
+ 0.15 × Review Volume
// All sub-scores normalized 0-100
// Affordability = (1 - rate/$200) × 100
// Rating = (rating - 3) / 2 × 100
// Volume = log10(reviews+1)/log10(200) × 100

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