Find a US debt collection agency with a verified public track record.
Independent, data-driven agency profiles built from public records: licensing and bond status, certifications and complaint records, every fact sourced and dated.
Free for buyers. Rankings are never for sale.Verification is built on each state's own government records, and every register is named with its source and date below. A verified record is one compliance fact, not proof of quality or of compliance elsewhere. Always do your own due diligence.Which debt collection agencies have the longest verified record?
Ranked on positive, verified measures only. Nothing unverified is ever published.
What brings you here?
Two of the most common reasons people check a collector. Pick whichever fits.
Run a collection agency?See how we rank agencies, and how to get listed.
Coverage by state
Each state is verified against its own public register. Band boundaries are identical everywhere, so a band means the same thing in every state.
Texas
Surety bond$10,000 surety bond filed with the Texas Secretary of State, required of every third-party collector under Finance Code Section 392.101.
Source: Texas Secretary of State (bond filing); enforced under Finance Code Chapter 392 · Last checked: June 28, 2026
See all 233 Texas agencies, ranked →New York
City licenseDebt Collection Agency license issued by New York City's Department of Consumer and Worker Protection, required to collect from city residents wherever the agency is based.
Source: New York City Department of Consumer and Worker Protection (Debt Collection Agency license) · Last checked: August 5, 2026
See all 15 New York agencies, ranked →Florida
State registrationConsumer collection agency registration filed with the Florida Office of Financial Regulation and renewed every year, required under Florida Statutes Section 559.553.
Source: Florida Office of Financial Regulation, Division of Consumer Finance (consumer collection agency registration) · Last checked: August 18, 2026
See all 9 Florida agencies, ranked →Hiring across more than one of these states?See the companies verified on more than one register, with each state's record shown separately.
Every agency in every band is listed on its state page, in full, with no pagination. Within a band, agencies are alphabetical: no agency is ranked above another, and placement is never for sale. Data last checked: August 19, 2026.
How this ranking works
Agencies are grouped into bands by how many years they have been continuously covered on their own state's public register: 25 or more years, then 15-24, 5-14, and under 5. The instrument differs by state, a surety bond in Texas and a license in New York City, and the boundaries do not. Within a band, agencies are listed alphabetically, so no agency is ranked above another and there are no ordinal positions. Only agencies whose coverage is active on the register appear in a band. A long unbroken record is a verifiable public record of staying in business under that state's legal requirement; it is not a quality rating. Rankings are never for sale: paid options are clearly labeled and can never change where an agency sits. The full rules are on the methodology page.
Explore the directory
Everything is free for buyers, and every fact carries its public source.
All agencies
The full ranked directory of verified US debt collection agencies.
By state
State rules, license and bond requirements, and verified agencies, state by state.
By industry
Medical, commercial, government and more, from each agency's own declared specialty.
Enforcement records
Regulator actions against listed agencies, built from the primary documents.
Buyer guides
How to choose an agency, what to ask, and how fees usually work.
Methodology
Exactly what we measure, where the data comes from, and what is never for sale.
Run a collection agency?
Claim your profile to verify your details and add your services. Featured placement and buyer leads are available, clearly labeled, and never change where you rank.
Independent, and on the buyer's side
We are not a collection agency and we do not take commissions on placements. Rankings are built from public records, verified by a person, and never sold.
Common questions
How does Debt Collection Index rank debt collection agencies?
Debt Collection Index groups agencies by verified track record, state by state: the years each has been continuously covered on that state's own public register (a surety bond in Texas, a license in New York City), shown in bands (25+ years, then 15-24, 5-14, and under 5). Only agencies with current coverage appear, and within each band they are listed alphabetically, so no agency is ranked above another. Every published fact links to its public source with the date it was last checked.
Can a debt collection agency pay to rank higher?
No. Rankings on Debt Collection Index are never for sale. Agencies can pay for clearly-labeled featured placement or for qualified buyer leads, but paid placement is always marked as such and can never change where an agency sits in the merit rankings.
Does Texas require debt collection agencies to be licensed?
Texas does not issue a collection license as such. Every third-party debt collector must instead file a $10,000 surety bond with the Texas Secretary of State before collecting, under Texas Finance Code Chapter 392, Section 392.101. Bonded collectors appear on the Secretary of State public Debt Collector Search.
Why are agencies grouped by state rather than in one national list?
Because the registers are different instruments from different regulators. A Texas surety bond is money on deposit that a claimant can pursue; a New York City license is permission to operate, with no money held. Both are continuity-of-good-standing signals, so the band boundaries are identical in every state, but the two records are never merged into one number that no register asserts. An agency covered in both states is shown as exactly that: two separate spans on two registers.
Full detail in the methodology and editorial standards.
Texas bond rule source: statutes.capitol.texas.gov · Last checked: June 28, 2026