Verified US debt collection agencies

Data last checked: August 10, 2026

Which debt collection agencies are verified?

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.

Verified profiles without current coverage

These agencies passed the same human verification and their profiles stay published for transparency, but their state's register shows no bond or license currently in force, so they appear in no band above. Each profile states the honest finding with its source and date.

• Commercial Recovery Bureau (bond ended January 16, 2026)
• Empire Credit and Collection (no bond found under this name in the register)

Common questions about the directory

State rules and rankings: see the Texas page and the states index. Companies verified on more than one register: multi-state coverage. How rankings work: see the methodology.