Commercial Debt Recovery Services

Our consumer collection work is handled separately from the commercial services described on this page, under its own rules and protections. If you are an individual trying to pay or dispute a bill, contact our team and we will route you to the right people.

We serve business clients from 12 offices in Texas, Colorado, Oklahoma, Missouri, Ohio, Florida, and Georgia, including Addison (our headquarters), Austin, Columbus, Dallas, Houston, Midland, Oklahoma City, San Antonio, Snellville, St. Louis, and Tampa. We handle single accounts and large portfolios for businesses across our office footprint. Ask us about your specific accounts when you call.

Call us or start with our contact page. Send the debtor name, last known contact information, the balance, and any supporting documentation. We assess the account and quote your contingency rate at placement, and recent accounts typically see first contact within 48 hours.

We work most commercial accounts on a contingency basis, which means you pay a percentage of what we actually recover and nothing on amounts we do not collect. The rate is quoted at placement and depends on factors such as the age, size, and documentation of the account. Older or more complex accounts generally carry a higher rate. There are no upfront placement fees for standard contingency work.

For each account, send the debtor business name and last known contact information, the balance owed, and supporting documentation such as signed agreements, invoices, statements, and any payment history. The more documentation you provide, the stronger the file. You can place a single account or an entire portfolio. If you are missing some details, we can often locate them through skip tracing during the recovery process.

Timelines vary widely by account. Recent, well-documented accounts often resolve faster than aged or disputed balances. Many accounts see meaningful progress in the first several weeks of outreach and negotiation, while accounts that require skip tracing, asset research, or legal escalation can take longer. We cannot promise a specific recovery amount or date, but we keep you updated on status and next steps throughout the process.

When a debtor raises a dispute, we pause collection activity on the disputed portion and work with you to review the supporting documentation. If the documentation substantiates the balance, we resume recovery and respond to the debtor with the verification. If a portion is legitimately in question, we help you resolve or adjust it. Handling disputes correctly protects both the recovery and your business relationship.

For qualifying commercial accounts where pre-legal efforts have not resolved the balance, we can escalate to legal servicing through our network. Before any litigation, we assess whether the debtor has the ability to pay and whether the documentation supports a case, so you do not spend money pursuing an uncollectible judgment. The decision to pursue legal action is always yours, and we explain the likely costs and outcomes first.

Yes. Southwest Recovery Services maintains the licensing and bonding required in the jurisdictions where we operate, and our collectors are trained on applicable federal and state collection regulations. Commercial collection rules differ from consumer rules, and our team works within the regulations that apply to each account type. Compliance is part of how we protect your business and your customer relationships during recovery.