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America's Commercial Collection Agency
A Collection Agency Collecting Commercial Debt in the US
Collecting commercial debt with a collection agency can have its pitfalls. Be suspicious, if a collection agency tells you collecting commercial debt will never require a state collection agency license. Contrary to popular belief, some states require a collection agency to be licensed when collecting commercial debt or accounts from businesses or commercial residents located in their state. Even if no agency license for collecting commercial debt is needed in a specific state, there are states that have Laws that can have an effect on a collection agency when collecting commercial debt.
States that require a collection agency license for Collecting Commercial Debt
If researching your collection agency options for collecting commercial debt, you will find the chart below very informative. It identifies the states where a collection agency license is required for collecting commercial debt. You will also find the state of Pennsylvania, which is the only state where laws affecting commercial debt need to be complied with, but a collection agency license isn’t mandatory when collecting commercial debt.
While we make every effort to insure accuracy please keep in mind that this chart is subject to change. The chart information below should not be considered legal collection advice or to be one hundred percent accurate. AAB assumes no liability for its use and no warranty is expressed or implied. This chart is simply a guide to the states with Laws that affect collecting commercial debt.
| State, City or Territory | Require License | Apply Collection Laws |
| Alabama | X | |
| Alaska | X | |
| Buffalo, NY | X | X |
| Delaware | X | X |
| Florida | X | X |
| Guam | X | |
| Idaho | X | X |
| Illinois | X | X |
| Indiana | X | X |
| Minnesota | X | X |
| Nebraska | X | X |
| Nevada | X | X |
| New Jersey | Bond Only | |
| North Carolina | X | |
| Oregon | X | |
| Pennsylvania | X | |
| Puerto Rico | X | X |
| South Carolina | X | |
| Tennessee | X | X |
| Utah | X | X |
| Virgin Island | X | X |
| Washington | X | X |
| West Virginia | X | X |
| Wisconsin | X | X |
Still have questions about Collecting Commercial Debt
You will find information on this web site that provides state by state information on Laws and regulation that affect collecting commercial debt. If in doubt or if you need clarification, ask an AAB professional for a definitive answer. We are a full service commercial collection agency with decades of experience so we usually can answer questions immediately on collecting commercial debt.
However, if we don’t know the answer right away, we will find out and let you know. Our Clients rely on us, as a reliable information resource on collecting commercial debt. Give us a call or schedule a free consultation on collecting commercial debt.
