Florida-based collection agency

Top-Rated Florida Debt Recovery Services

A Florida-based agency with 30+ years of collections experience. Businesses or individuals, one account or a thousand, Miami to Pensacola. If we recover nothing, you pay nothing.

  • ✓Florida-based
  • ✓No recovery, no fee
  • ✓500+ attorneys nationwide
Free rate quoteStep 1 of 3

Who owes you money?

Pick the one that fits best.

Tell us about the accounts

Rough numbers are fine.

Who should we call with your rate?

A specialist reviews your accounts and calls you, usually within one business day.

Your information is never shared.

30+
Years of collections experience
500+
Collection and litigation attorneys
30,000+
Clients served
14-21
Days, average to collect a claim
✓Licensed, bonded and insured✓No recovery, no fee✓US-based staff, no offshore call centers✓24/7 online account access✓Nationwide attorney network

What we collect for Florida businesses

You did the work. You sent the invoice. You sent the reminder. At some point chasing it costs more than it's worth. That's where we come in.

Commercial collections

Business-to-business debt is our core work. Invoices, contracts, judgments, disputed balances. We investigate the debtor company and apply pressure on every front until it's resolved.

Customer balances

Plumbers, electricians, mechanics, repair shops, retailers, restaurants. When customers do not pay, we recover it with an approach that keeps the door open for the customer to come back.

Construction and trades

Contractors, subs and suppliers left holding unpaid invoices on finished work.

Medical and dental

Practices, dental offices, chiropractors and clinics. Past-due patient balances collected professionally. HIPAA compliant.

Bounced checks

A bounced check does not have to be a write-off. We locate the check writer, negotiate, and recover the funds.

Judgments

Already won in court and still haven't been paid? A judgment is only paper until it's collected. We locate debtors and assets and pursue enforcement through our attorney network.

Our guarantee

No recovery.
No fee.

If we don't collect, you pay nothing. No setup fees, no hourly rates, no retainers. Our fee comes out of what we recover, never out of your pocket.

  • ✓100 percent contingency-based
  • ✓Zero upfront cost to start
  • ✓Your rate agreed before you sign anything
  • ✓24/7 online access to every account

Every month you wait, the odds drop.

A 30-day-old debt is a phone call. A 12-month-old debt is a write-off. Industry surveys show the chance of collecting a past due account falls to about 7 in 10 by three months, about half by six months, and a small fraction after a year.

The accounts sitting on your books right now are losing value every week. Placing them costs you nothing up front. Waiting does.

Place my accounts now

Why Florida businesses hand us their past due accounts

A Florida agency with the reach to collect wherever your debtor went.

Florida-based

We're a Florida-based agency with US-based staff. No offshore call centers touching your accounts or your customers.

We find the debtor

We go beyond letters and phone calls. Our skip tracers locate debtors and identify assets so recovery targets the money that's actually there.

500+ attorneys behind every account

When direct collection stalls, your account goes to an attorney in or near the debtor's area, in Florida or out of state.

24/7 online access

See every account you place with us, any time. Reports in whatever format and frequency you want.

Ethics. Integrity. Results.

Professionally trained collectors, strong data security, and respectful communication on every account. Debtors are often more willing to work with us than with the original creditor.

How we work

Three phases. You place the account, we run the escalation.

1

Direct collection

  • ✓Daily phone contact
  • ✓Demand letters
  • ✓Skip tracing
  • ✓Settlement negotiation
  • ✓Dispute resolution

Immediate outreach with daily calls and formal demand letters for the first 14 to 21 days. Many accounts resolve here. If not, the account moves to Phase 2 without any extra step from you.

2

Attorney escalation

  • ✓Attorney in the debtor's jurisdiction
  • ✓Attorney demand letters
  • ✓Legal case evaluation
  • ✓Continued direct contact

The file is referred to an attorney from our network of more than 500 collection and litigation attorneys, typically in or near the debtor's area. A formal demand from a law firm can change the direction of the account.

3

Final determination

  • ✓Full case evaluation
  • ✓Close at no cost, or
  • ✓Litigation, your decision

If the facts, assets, or recovery potential don't support further action, we recommend closing at no cost to you. If litigation is warranted, the decision is yours. Decline and you owe nothing. Proceed and our attorneys pursue judgment and enforcement: garnishment, levy, and asset recovery.

In certain situations, such as very low balances, complex international claims, or cases requiring significant legal resources, an alternative fee arrangement may be discussed with you up front. You are never charged without your knowledge and consent.

Serving all of Florida

From the Keys to the Panhandle. Some of the Florida cities we collect in:

Debtor left Florida? We collect nationwide, and our network of 500+ collection and litigation attorneys means your case never stalls at a state line.

What our clients say

Real results. Real clients. Real reviews.

★★★★★

"I run a small plumbing company and I was more than pleased with the service I received. Professional, helpful, and respectful. I would never use anyone else."

S
Sarah C.BBB review
★★★★★

"I sent them 23 accounts. Within 30 days all of these accounts were collected. These people really know what they are doing."

T
Tonya M.BBB review
★★★★★

"This was a great company to work with! Very Professional and communicative. Theo was a huge help and We will be using them again in the future if needed!"

W
White Pine LandscapesGoogle review
★★★★★

"Accounts Receivable is a great company to work with. They were able to resolve my issue with a customer quickly and therefore we finally got our owed money. I recommend them always"

R
Ronald E RoweGoogle review

Questions Florida clients ask us

Straight answers before you pick up the phone.

What does it cost?+
Nothing up front. Our fee is a percentage of what we recover, set by the size of the debt and how long it has been unpaid, and agreed before you sign anything. If we recover nothing, you pay nothing.
Are you based in Florida?+
Yes. We're a Florida-based agency with US-based staff. No offshore call centers touching your accounts or your customers.
Do you collect for individuals, or only businesses?+
Both. Businesses or individuals, one account or a thousand.
My debtor moved out of Florida. Can you still collect?+
Yes. We collect nationwide. Our network of 500+ collection and litigation attorneys means your case never stalls at a state line.
Can you collect on a judgment I already have?+
Yes. A judgment is only paper until it's collected. We locate debtors and assets and pursue enforcement through our attorney network, including garnishment and levy where available.
How long does it take?+
Every case is different, but most accounts are resolved within 2 weeks to 60 days. Cooperative debtors can settle quickly. Accounts that need skip tracing or attorney escalation take longer. Your accounts are assigned promptly and collection efforts begin immediately.
What if you can't collect?+
You owe us nothing. If recovery is unlikely after a thorough investigation, we recommend closing the file at no cost to you. If litigation is recommended, the decision is yours. Decline and you still owe nothing.

Get your free rate quote

Tell us about the accounts. A specialist reviews them and calls you with a rate and a plan, usually within one business day.

  • ✓Two minutes to get started
  • ✓Zero out of pocket
  • ✓No recovery, no fee
  • ✓Your rate agreed before you sign anything
Rather talk now?321-710-3530
Free rate quote, 3 quick stepsStep 1 of 3

Who owes you money?

Pick the one that fits best.

Tell us about the accounts

Rough numbers are fine.

Who should we call with your rate?

A specialist reviews your accounts and calls you, usually within one business day.

Your information is never shared.

Call now Free rate quote