States covered by Debt Collection Index

By Kai Greenspan, Founding Editor · Last updated: August 2, 2026

Debt Collection Index verifies debt collection agencies state by state, against each state's own public record. Texas is live, built on the state's surety bond register. New York is in progress, built on New York City's debt collection agency license roll. A state is added only when its public record supports the same standard: every published fact carrying a source and a last-checked date.

Texas

246 verified agency profiles. Every third-party debt collector must file a $10,000 surety bond with the Texas Secretary of State before collecting in the state, under Texas Finance Code Chapter 392, Section 392.101. That bond record is what this site verifies: each profile shows the agency's filing history, surety company, bond number and how long it has been continuously bonded.

Texas agencies, ranked by verified bond history · Texas debt collection law · Verify a Texas bond yourself

New York

In progress. New York has no statewide bond requirement. Verification will be built on New York City's Debt Collection Agency License, issued by the Department of Consumer and Worker Protection, which any agency collecting personal or household debts from New York City residents must hold, wherever that agency is based. The license roll is public, updated daily, and reaches back to 1994, so continuous licensing can be verified the same way continuous bonding is verified in Texas. New York profiles will appear here when that verification is running; we do not publish ahead of it.

How states are chosen

By the quality of the state's public record, not by size. A state qualifies when it maintains a public register that identifies collectors, carries dates, and can be re-checked independently by any reader. The methodology page sets out the verification standard every state must meet; it does not bend per state.

Coverage status on this page is updated when a state goes live, and the date above moves with it. Nothing on this site is published without a public source; a state with no usable public record does not get a lower standard, it waits.