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5 Tips for Hiring a Debt Collection Agency

Here are Five Tips for Hiring a Debt Collection Agency.   Companies many times ask themselves why should I hire a collection agency.   They contemplate the cost vs recovery.  They wonder if someone at their office couldn’t do as good job.

Many times is it best to hire the experts and let them do what they do best.   You or your employees already have their jobs to do and it can be very daunting dealing with the task of collections.  They also know the laws to keep everyone compliant. Man with magnifying glass

“All agencies are not created equal”

Just like any other business, you have to find the right fit for you.   Here are 5 tips when searching for the perfect collection agency.

 Make sure they are insured

This is to protect you should an agency be aggressive in their collection techniques.  This is most often called “Errors and Omissions Insurance” and is held by good debt collection agencies as protection.

Know their areas of expertise

Every agency has their industries they specialize in.   Does their specialty fit your needs?  Do they know your industry?    You want them to be able to speak as your voice. 

Do they use “Skip Tracing”

This is extremely important if someone “Skips” town.  This is software they use to find those that have moved or can’t be reached.  Remember they can’t collect if they can’t find them.

What is their BBB rating

This gives you a pretty good idea of how they take care of their customers (You) and how they will take care YOUR customers.   You never want to burn bridges as many times customers just end up not paying because of hardships.

Compare the Cost

Find out how they charge.

  • Flat Fee:  this is an up front fee for each collection whether they collect or not
  • Contingency:  You pay nothing unless they collect.  Typically at 25% – 45% fee

Dealing with debtors can be time consuming and frustrating.  Knowing and keeping up on the changing laws can be a daunting task.  Knowing all this many times makes it easier to work with a debt collection agency on a regular basis.


MCA is a third party debt collection agency that has been in constant business since 1950.  We are rated A+ with the Better Business Bureau and we pride ourselves in excellent customer service along with delivering great recovery rates.  There is no cost to you unless we collect!  Why not try and re coop some of your past due accounts with no out of pocket expense?



  • Disclaimer

    This is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector.

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