--- title: "Debt Collection Agencies in Texas: 58 Listed (2026)" canonical: https://debtcollectionagencies.org/usa/texas/ dateModified: 2026-09-11 --- # Debt Collectors in Texas (58) There are 58 debt collection agencies serving Texas in this directory as of September 2026, including Aargon Agency, Inc., ABC-Amega, Inc., Account Services Collections, Inc. 17 of them publish contingency (no collection, no fee) fee terms. Texas requires third-party debt collectors to file a $10,000 surety bond with the Texas Secretary of State under Chapter 392 of the Texas Finance Code before engaging in debt collection in the state. ## Agencies - Aargon Agency, Inc. - [ABC-Amega, Inc.](https://debtcollectionagencies.org/agencies/abc-amega/) - Account Services Collections, Inc. - [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/) - [American Collection Services, Inc.](https://debtcollectionagencies.org/agencies/american-collection-services/) - [American Profit Recovery, Inc.](https://debtcollectionagencies.org/agencies/american-profit-recovery/) - [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/) - [Atradius Collections](https://debtcollectionagencies.org/agencies/atradius-collections/) | No collection, no fee (per company site) - [Benjamin, Chaise & Associates](https://debtcollectionagencies.org/agencies/benjamin-chaise-and-associates/) | Contingency-based; no charge for debtor investigation, no fee if not collected - [C2C Resources, LLC](https://debtcollectionagencies.org/agencies/c2c-resources/) - [Caine & Weiner Company, Inc.](https://debtcollectionagencies.org/agencies/caine-and-weiner-company/) - CBE Companies - CBE Group - [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 - [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 - [Credit Control, LLC](https://debtcollectionagencies.org/agencies/credit-control/) - [CSI](https://debtcollectionagencies.org/agencies/csi/) - CSII - [DCI](https://debtcollectionagencies.org/agencies/dci/) - [Empire Collection Agency](https://debtcollectionagencies.org/agencies/empire-collection-agency/) | No recovery, no fee (contingency) - [First Collection Services](https://debtcollectionagencies.org/agencies/first-collection-services/) - First Credit Services, Inc. - [GGR](https://debtcollectionagencies.org/agencies/ggr/) - [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 - [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/) - [JMH Collection Agency](https://debtcollectionagencies.org/agencies/jmh-collection-agency/) | Performance-based, no upfront fees - [KOP Collection Services LLC](https://debtcollectionagencies.org/agencies/kop-collection-services/) - [Leib Solutions LLC](https://debtcollectionagencies.org/agencies/leib-solutions/) - 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 - [OCW LLC](https://debtcollectionagencies.org/agencies/ocw/) | No collection, no fee (contingency) - Penn Credit Corporation - [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 - [Rocket Receivables](https://debtcollectionagencies.org/agencies/rocket-receivables/) | Fixed-fee pricing; no minimums, no postage or maintenance fees (per company site) - [Southwest Recovery Services](https://debtcollectionagencies.org/agencies/southwest-recovery-services/) | Contingency, no-recovery no-fee - [The Kaplan Group](https://debtcollectionagencies.org/agencies/the-kaplan-group/) | No cost unless collected; contingency 10-25% of recovered amount - [Todd, Bremer & Lawson, Inc.](https://debtcollectionagencies.org/agencies/todd-bremer-and-lawson/) | Contingency-based; no recovery, no fee - [TSI](https://debtcollectionagencies.org/agencies/tsi/) - [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 ## Licensing in Texas Texas requires third-party debt collectors to file a $10,000 surety bond with the Texas Secretary of State under Chapter 392 of the Texas Finance Code before engaging in debt collection in the state. There is no separate state collection agency license beyond the bond filing. Agencies collecting in Texas must also comply with the Texas Debt Collection Act, which applies alongside the federal FDCPA and covers original creditors as well as third-party collectors. ## FAQ ### How many debt collection agencies operate in Texas? This directory lists 58 debt collection agencies serving Texas as of September 2026, all national agencies that cover Texas. ### Is a license required to collect debts in Texas? Texas requires third-party debt collectors to file a $10,000 surety bond with the Texas Secretary of State under Chapter 392 of the Texas Finance Code before engaging in debt collection in the state. There is no separate state collection agency license beyond the bond filing. Agencies collecting in Texas must also comply with the Texas Debt Collection Act, which applies alongside the federal FDCPA and covers original creditors as well as third-party collectors.