Commercial debt collection agencies in Texas

State registers re-read every week · latest read: October 8, 2026

Sources: agency websites and the Texas Secretary of State TPDC Public Search Portal.

What is commercial debt collection?

Commercial debt is business owed to business: unpaid invoices, service contracts, equipment and trade credit balances. It behaves nothing like consumer collections. The balances are larger and fewer, the debtor is a company that may be a future customer again, documentation is the whole game (the contract, the purchase order, the delivery record), and recovery often ends in negotiation or litigation rather than payment plans.

It also has certifications that can be checked with the issuer rather than taken on an agency's word. The Commercial Law League of America has certified commercial collection agencies since 1975, with certified agencies' trust accounts audited by an independent third party, and publishes its certified agencies; where an agency on this site holds that certification, we checked it on the CLLA's own published list, and it is shown on the agency's profile. The Commercial Collection Agencies of America, a separate body, also certifies every agency it admits and publishes a member directory, which we do not yet check agencies against.

The rules that govern commercial debt collection in Texas

The legal boundary here is the honest headline: the consumer protection statutes are written for consumers. Texas Finance Code Chapter 392 defines consumer debt as obligations "primarily for personal, family, or household purposes" (discussed on the Texas page), and business-to-business debts sit outside both Chapter 392's fee rules and the federal FDCPA, so what can be charged and recovered is set by the contract between the businesses, inside the state's usury limit: Finance Code Section 302.001 caps interest at 10 percent a year unless another law provides otherwise, and treats a contract for usurious interest as contrary to public policy. The limitations period is not one number either: suit on a debt must be brought within four years (Civil Practice and Remedies Code Section 16.004), but a negotiable promissory note payable at a definite time has six years (Business and Commerce Code Section 3.118), both quoted on the Texas debt law page. The surety bond is consumer-scoped too: Chapter 392 requires it of a third-party collector that engages in "debt collection", which the chapter defines as collecting consumer debts, so a collector handling only commercial accounts is not required to hold one. Every agency on this page does hold the $10,000 bond on the Secretary of State register, because that bond is this directory's entry bar.

What to ask an agency before placing commercial debt

• Whether it holds CLLA certification, which we check against the issuer's own list, or certification by the Commercial Collection Agencies of America, whose member directory we do not yet check.
• What documentation it needs at placement (contracts, purchase orders, delivery records, personal guarantees), since B2B recovery is won or lost on the paper.
• How it balances recovery against the trading relationship: whether it can pursue firmly while leaving the door open to future business.
• Its litigation path: when it recommends suing inside the limitations window, through which counsel, and who bears costs.

Commercial (B2B) collection specialists (29 agencies)

Agencies whose own websites present commercial (B2B) collections as their identity.

Grouped by track record band, alphabetical within each band. No ordinal ranking. A quoted claim links to the page on the agency's own website where it appears, with the date we read it; a row without a quote is a declaration we have not yet captured.

Also serve commercial (B2B) collections, among other industries (53 agencies)

Agencies whose websites list commercial (B2B) collections within a broader industry menu. Serving an industry is not the same claim as specializing in it.

How this ranking works

Agencies are grouped into bands by how many years they have been continuously bonded on the Texas Secretary of State's public register: 25 or more years, then 15-24, 5-14, and under 5. Within a band, agencies are listed alphabetically, so no agency is ranked above another and there are no ordinal positions. Only agencies whose bond is active on the register appear in a band. A long bond history is a verifiable public record of staying in business under the state's one 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.

Common questions about commercial debt collection in Texas

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