--- title: "Debt Collection Agencies in USA: 115 Listed by State (2026)" canonical: https://debtcollectionagencies.org/usa/ dateModified: 2026-09-11 --- # Debt Collectors in the USA (115) There are 115 debt collection agencies listed for the USA in this directory as of September 2026, including Aargon Agency, Inc., ABC-Amega, Inc., Account Services Collections, Inc. Debt collection in the USA is governed federally by the Fair Debt Collection Practices Act (FDCPA), enforced by the CFPB and FTC, with CFPB Regulation F setting contact-frequency and disclosure rules. ## States - [New Jersey](https://debtcollectionagencies.org/usa/new-jersey.md) - [Pennsylvania](https://debtcollectionagencies.org/usa/pennsylvania.md) - [Texas](https://debtcollectionagencies.org/usa/texas.md) ## Agencies - [A.I.M., Corp.](https://debtcollectionagencies.org/agencies/a-i-m/) - Aargon Agency, Inc. - [ABC-Amega, Inc.](https://debtcollectionagencies.org/agencies/abc-amega/) - [Access Credit Management, Inc.](https://debtcollectionagencies.org/agencies/access-credit-management/) - Account Services Collections, Inc. - [ACCTCORP](https://debtcollectionagencies.org/agencies/acctcorp/) - [ACS](https://debtcollectionagencies.org/agencies/acs/) - [Advanced Collection Bureau, Inc.](https://debtcollectionagencies.org/agencies/advanced-collection-bureau/) - [Alexander, Strauss & Associates](https://debtcollectionagencies.org/agencies/alexander-strauss-and-associates/) | Contingency-based: no recovery, no fee; no upfront retainer or monthly fees - [Allianz Trade Collections](https://debtcollectionagencies.org/agencies/allianz-trade-collections/) - [Allied Interstate LLC](https://debtcollectionagencies.org/agencies/allied-interstate/) - [Altus](https://debtcollectionagencies.org/agencies/altus/) - [American Collection Services, Inc.](https://debtcollectionagencies.org/agencies/american-collection-services/) - [American Profit Recovery, Inc.](https://debtcollectionagencies.org/agencies/american-profit-recovery/) - [American Recovery Systems, Inc.](https://debtcollectionagencies.org/agencies/american-recovery-systems/) | Contingency-based; no fee unless payment is collected - [AMS](https://debtcollectionagencies.org/agencies/ams/) | Contingency-based; no upfront fees or sign-up charges, fee only on successful recovery - [Archon Information Systems, L.L.C.](https://debtcollectionagencies.org/agencies/archon-information-systems-l-l-c/) - [ARCO Collection Services LLC](https://debtcollectionagencies.org/agencies/arco-collection-services/) - [Atradius Collections](https://debtcollectionagencies.org/agencies/atradius-collections/) | No collection, no fee (per company site) - [Beacon Services, LLC](https://debtcollectionagencies.org/agencies/beacon-services/) | Contingency basis - [Benjamin, Chaise & Associates](https://debtcollectionagencies.org/agencies/benjamin-chaise-and-associates/) | Contingency-based; no charge for debtor investigation, no fee if not collected - [Burt and Associates](https://debtcollectionagencies.org/agencies/burt-and-associates/) - [C2C Resources, LLC](https://debtcollectionagencies.org/agencies/c2c-resources/) - [Caine & Weiner Company, Inc.](https://debtcollectionagencies.org/agencies/caine-and-weiner-company/) - [Caudle and Caudle, P.C.](https://debtcollectionagencies.org/agencies/caudle-and-caudle-p-c/) - CBE Companies - CBE Group - [CBS](https://debtcollectionagencies.org/agencies/cbs/) - [CCI](https://debtcollectionagencies.org/agencies/cci/) | Contingency-based (no recovery, no fee) - [Cedar Financial](https://debtcollectionagencies.org/agencies/cedar-financial/) | No collection, no fee (pre-legal); flat-fee and contingency options - Central Collection Corp. | "No Collection-No Charge" contingency model - [Central Professional Services](https://debtcollectionagencies.org/agencies/central-professional-services/) - [Clark County Collection Service, LLC](https://debtcollectionagencies.org/agencies/clark-county-collection-service/) - [Collection Bureau of America, Ltd.](https://debtcollectionagencies.org/agencies/collection-bureau-of-america/) | No cost to clients unless debt is collected; price-per-account or commission-based - [Consumer Collection Management, Inc.](https://debtcollectionagencies.org/agencies/consumer-collection-management/) - [Credit Control, LLC](https://debtcollectionagencies.org/agencies/credit-control/) - Credit Management Company - Credit Solutions, LLC - [Credit Systems, Inc.](https://debtcollectionagencies.org/agencies/credit-systems/) - [Credit World Services, Inc.](https://debtcollectionagencies.org/agencies/credit-world-services/) - [Credits, Incorporated](https://debtcollectionagencies.org/agencies/credits-incorporated/) - [CSI](https://debtcollectionagencies.org/agencies/csi/) - CSII - [CSRS Inc](https://debtcollectionagencies.org/agencies/csrs/) - [DCI](https://debtcollectionagencies.org/agencies/dci/) - [Debt Collection Partners LLC](https://debtcollectionagencies.org/agencies/debt-collection-partners/) - [Delinquent Recovery Associates](https://debtcollectionagencies.org/agencies/delinquent-recovery-associates/) | Contingency-based: no collection, no charge; no setup fees - [Empire Collection Agency](https://debtcollectionagencies.org/agencies/empire-collection-agency/) | No recovery, no fee (contingency) - [Empire Recovery Solutions](https://debtcollectionagencies.org/agencies/empire-recovery-solutions/) - [FCG](https://debtcollectionagencies.org/agencies/fcg/) - [FFCC](https://debtcollectionagencies.org/agencies/ffcc/) | No upfront fees; charges only on collected accounts with monthly remittance - [First Collection Services](https://debtcollectionagencies.org/agencies/first-collection-services/) - First Credit Services, Inc. - [Firstsource Advantage, LLC](https://debtcollectionagencies.org/agencies/firstsource-advantage/) - [George Brown Associates, Inc.](https://debtcollectionagencies.org/agencies/george-brown-associates/) - [GGR](https://debtcollectionagencies.org/agencies/ggr/) - [Gilliam & Mikula, PLLC](https://debtcollectionagencies.org/agencies/gilliam-and-mikula-pllc/) - [Graystone Partners](https://debtcollectionagencies.org/agencies/graystone-partners/) - GRC - [GrindStone Collection Strategies, Inc.](https://debtcollectionagencies.org/agencies/grindstone-collection-strategies/) | No annual contracts or minimums; pay only for services used - [Halsted Financial Services, LLC](https://debtcollectionagencies.org/agencies/halsted-financial-services/) - [HF Holdings, Inc.](https://debtcollectionagencies.org/agencies/hf-holdings/) | No Recovery, No Fee contingency model; flat fees may apply for litigation, legal filings, or skip-tracing - Holloway Credit Solutions, LLC - [IC System, Inc.](https://debtcollectionagencies.org/agencies/ic-system/) | InstiCollect program: 35% on recoveries days 1-180, 50% thereafter, plus $75 setup fee; Recovery Plus Phase One: no fee on recovered money - [InteLogix](https://debtcollectionagencies.org/agencies/intelogix/) - [Intermountain Credit Services](https://debtcollectionagencies.org/agencies/intermountain-credit-services/) - [JMH Collection Agency](https://debtcollectionagencies.org/agencies/jmh-collection-agency/) | Performance-based, no upfront fees - [KBM](https://debtcollectionagencies.org/agencies/kbm/) | 100% contingency - [KOP Collection Services LLC](https://debtcollectionagencies.org/agencies/kop-collection-services/) - [LB Gray LLC](https://debtcollectionagencies.org/agencies/lb-gray/) - [Leib Solutions LLC](https://debtcollectionagencies.org/agencies/leib-solutions/) - [Master Debt Solutions, LLC](https://debtcollectionagencies.org/agencies/master-debt-solutions/) - MEDCAH, Inc. - [Mesa Revenue Partners](https://debtcollectionagencies.org/agencies/mesa-revenue-partners/) | Contingency; no fee unless money is recovered - [Messerli Kramer](https://debtcollectionagencies.org/agencies/messerli-kramer/) - Metro Collections | No collection, no fee; no upfront or sign-up fees - [Midland Credit Management, Inc.](https://debtcollectionagencies.org/agencies/midland-credit-management/) - [Miller, Ross & Goldman, LLC](https://debtcollectionagencies.org/agencies/miller-ross-and-goldman/) | Contingency; no collection, no fee - [Municipal Collection Agency, Ltd.](https://debtcollectionagencies.org/agencies/municipal-collection-agency/) | Commission-based, percentage of recovered funds, no upfront fees - NCSPlus Incorporated | Flat fee under $25 per account (based on 100-account system) rather than percentage-based, per company site - [New World Collections](https://debtcollectionagencies.org/agencies/new-world-collections/) - NexaCollect | Contingency-based; no fee if not collected - [North American Recovery](https://debtcollectionagencies.org/agencies/north-american-recovery/) - [Northeastern Credit Services, Inc.](https://debtcollectionagencies.org/agencies/northeastern-credit-services/) - [OCW LLC](https://debtcollectionagencies.org/agencies/ocw/) | No collection, no fee (contingency) - [Ohio Recovery Service, LLC](https://debtcollectionagencies.org/agencies/ohio-recovery-service/) | Contingency basis; client may terminate agreement at any time - [Payment Resolution Partners](https://debtcollectionagencies.org/agencies/payment-resolution-partners/) | Commission-based - Penn Credit Corporation - [Phillips & Cohen Associates, LLC](https://debtcollectionagencies.org/agencies/phillips-and-cohen-associates/) - [Phoenix Recovery Group](https://debtcollectionagencies.org/agencies/phoenix-recovery-group/) - [Pioneer Credit Recovery, Inc.](https://debtcollectionagencies.org/agencies/pioneer-credit-recovery/) - [PRA Group](https://debtcollectionagencies.org/agencies/pra-group/) | HQ: Norfolk - Radius Global Solutions, LLC - Receivables Control Corporation - [Renton Collections, Inc.](https://debtcollectionagencies.org/agencies/renton-collections/) | No setup fees or monthly minimums - [RHK Recovery Group](https://debtcollectionagencies.org/agencies/rhk-recovery-group/) - [Rocket Receivables](https://debtcollectionagencies.org/agencies/rocket-receivables/) | Fixed-fee pricing; no minimums, no postage or maintenance fees (per company site) - [Saba & Associates Collections](https://debtcollectionagencies.org/agencies/saba-and-associates-collections/) | Contingency-based; no upfront costs or monthly fees - [Simon's Agency, Inc.](https://debtcollectionagencies.org/agencies/simon-s-agency/) - [Solidus Services, LLC](https://debtcollectionagencies.org/agencies/solidus-services/) - [Southern Credit Adjusters, Inc.](https://debtcollectionagencies.org/agencies/southern-credit-adjusters/) | No cost until debt is recovered; flat-fee structure, no membership or upfront fees - [Southwest Recovery Services](https://debtcollectionagencies.org/agencies/southwest-recovery-services/) | Contingency, no-recovery no-fee - [SRA](https://debtcollectionagencies.org/agencies/sra/) - [TAVCO Credit Services](https://debtcollectionagencies.org/agencies/tavco-credit-services/) - [TaxServ Capital Services, LLC](https://debtcollectionagencies.org/agencies/taxserv-capital-services/) - [TCM Group](https://debtcollectionagencies.org/agencies/tcm-group/) | No win, no fee (contingency) - [The Kaplan Group](https://debtcollectionagencies.org/agencies/the-kaplan-group/) | No cost unless collected; contingency 10-25% of recovered amount - [The Thomas Agency, Inc.](https://debtcollectionagencies.org/agencies/the-thomas-agency/) - [Todd, Bremer & Lawson, Inc.](https://debtcollectionagencies.org/agencies/todd-bremer-and-lawson/) | Contingency-based; no recovery, no fee - [TSI](https://debtcollectionagencies.org/agencies/tsi/) - [Tulsa Adjustment Bureau](https://debtcollectionagencies.org/agencies/tulsa-adjustment-bureau/) - [UAS](https://debtcollectionagencies.org/agencies/uas/) - [UCS](https://debtcollectionagencies.org/agencies/ucs/) - [Vegas Valley Collection Service (MoiHarwin Diversified LLC)](https://debtcollectionagencies.org/agencies/vegas-valley-collection-service-moiharwin-diversified/) | No recovery, no fee; no setup fees or monthly minimums - [Williams Rush & Associates](https://debtcollectionagencies.org/agencies/williams-rush-and-associates/) ## FAQ ### Do debt collection agencies in the USA need a license? Debt collection in the USA is governed federally by the Fair Debt Collection Practices Act (FDCPA), enforced by the CFPB and FTC, with CFPB Regulation F setting contact-frequency and disclosure rules. Licensing is set at state level: many states require a collection agency license or surety bond, while some have no licensing regime. ### How many agencies are listed for the USA? This directory currently lists 115 debt collection agencies for the USA, last verified 2026-09-11. ### How do debt collection agencies in the USA charge? Of the 115 debt collection agencies listed for the USA, 26 publish contingency (no collection, no fee) pricing, where the agency keeps a percentage of what it recovers and charges nothing if it recovers nothing. The remainder do not publish fee terms or quote per case.