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Providing Creative Solutions to Common Problems
Providing Creative Solutions to Common Problems
Carrollton has established itself as a thriving commercial hub within the Dallas-Fort Worth metroplex. With its strategic location near major corporate headquarters and excellent transportation infrastructure, the city attracts businesses across the manufacturing, logistics, construction, and professional services sectors. However, this growth brings challenges—particularly regarding accounts receivable and clients who fail to pay on time.
Unpaid invoices create more than just accounting headaches. They disrupt cash flow, limit your ability to take on new projects, and consume valuable time that should be spent growing your business. Many companies find that internal collection efforts yield diminishing returns after 60–90 days, with staff lacking the specialized tools and techniques needed to locate and negotiate with non-paying clients effectively.
Professional debt collection agencies bring dedicated resources, legal expertise, and systematic follow-up processes that most businesses simply cannot replicate internally. They understand Texas debt collection regulations, including the Fair Debt Collection Practices Act (FDCPA) and state-specific requirements, ensuring your collections remain compliant while maximizing recovery potential.
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Southwest Recovery Services: Get Your Money Back 20+ Years Experience | Texas-Based | Contingency Only – You Pay When We Collect
Built for Commercial Collections:
The Southwest Recovery Difference: ✓ Contingency only – no upfront costs ✓ Veteran collectors with respectful omnichannel outreach ✓ Priority sectors: trucking, logistics, contractors, oil & gas ✓ Clear reporting on account status and outcomes Trust & Results You Need: Nationally recognized ethical collections agency with 12 offices across six states. Compliance-first approach with no threats or guarantees. |
Pricing & Fee Structures Explained
Understanding how collection agencies charge helps you evaluate the true cost of recovering unpaid debts. The contingency model is popular in the industry for good reason; it eliminates your financial risk and motivates agencies to prioritize results.
The standard pricing model, where you pay nothing upfront and only share a percentage of successfully recovered funds. Rates typically range from 10–25%, with fresh debts (under 90 days) commanding lower percentages than aged accounts.
Several variables influence your specific rate, including debt age, total portfolio size, documentation quality, and industry type. Commercial B2B debts with clear contracts and invoices generally cost less to collect than disputed consumer accounts.
Some agencies charge setup fees or per-account costs. Legal escalation, when necessary, may add 10–20% or involve hourly attorney rates. At Southwest Recovery Services, we avoid these hidden costs, keeping our model simple and transparent.
We have spent over 20 years helping businesses across Texas recover unpaid B2B invoices, and our headquarters in the Dallas-Fort Worth metroplex means we understand the Carrollton market inside and out. Our contingency-only model means you pay nothing unless we collect. We specialize in priority sectors including trucking, logistics, contractors, oil and gas, and wholesale distribution, giving us deep expertise in the industries that drive the local economy.
We prioritize preserving your business relationships during the recovery process. Our veteran collectors use respectful omnichannel outreach across phone, email, text, and mail, all tracked through AI-guided software that monitors every promise-to-pay. With our founder’s daily involvement in accounts, we offer a level of accountability and attention you simply will not find at many firms. Our 12 offices across seven states give us nationwide reach while maintaining the personalized service Carrollton businesses deserve.
Miller, Ross & Goldman has served the DFW area for over 25 years, offering contingency-based pricing and specialized construction lien services for commercial projects. Greenberg, Grant & Richards has been in business since 1993 and has served numerous clients across various industries, utilizing a network of certified fraud examiners, attorneys, and field investigators for face-to-face debtor visits.
Clients consistently highlight our commitment to transparent pricing and responsive account management. Reviewers praise individual team members for their persistence and professionalism, and for going above and beyond to verify disputed accounts and resolve issues fairly.
Miller, Ross & Goldman receives feedback from clients, with many describing the firm as one that delivers on its promises. Greenberg, Grant & Richards is noted by clients for recovering delinquent accounts, with reviews mentioning the team’s willingness to learn about their business context.
| Company | Experience | Pricing Model | Key Strength | Review Highlights |
|---|---|---|---|---|
| Southwest Recovery Services | 20+ years | Contingency only | AI-guided tracking, daily founder involvement | Praised for transparent pricing, professional staff, and resolving disputed accounts fairly |
| Miller, Ross & Goldman | 25+ years | Contingency | High reported success rate, construction lien expertise | Clients say they deliver on promises |
| Greenberg, Grant & Richards | 30+ years (since 1993) | Contingency | Field investigators for face-to-face visits, CLLA certified | Clients praise their ability to recover difficult accounts and industry knowledge |
Selecting a debt collection partner requires careful evaluation of factors that directly impact your recovery success and business reputation.
Start by assessing industry specialization. Agencies focusing on commercial B2B collections understand business relationships and the nuanced communication required when pursuing debts from companies you may want to work with again.
Skip tracing capabilities are crucial for accounts where debtors have changed their locations or contact information. Professional agencies use proprietary databases and investigative techniques to locate businesses and decision-makers who might otherwise be unreachable.
Verify compliance credentials carefully. Request information about the agency’s training programs, regulatory record, and adherence to FDCPA requirements. Agencies with strong compliance histories protect you from potential liability while maintaining professional standards.
When internal efforts fall short, partnering with a specialized agency that understands commercial debt recovery becomes essential. At Southwest Recovery Services, we bring unique capabilities that directly address the challenges Carrollton businesses face with unpaid invoices.
With 12 offices across seven states and a Dallas-area headquarters, we combine national reach with local expertise. Our veteran collectors use respectful, professional communication to pursue debt recovery without creating unnecessary conflicts, an important consideration when dealing with vendors, contractors, or clients in your industry network.
Our AI-guided tracking system ensures no account falls through the cracks. Every promise to pay, communication attempt, and status update is automatically monitored, with daily founder involvement to maintain accountability throughout the process. This technology-driven approach delivers consistent follow-up, resulting in better recovery outcomes.
We operate exclusively on a contingency model with no upfront costs, meaning you pay nothing unless we successfully recover your funds. Priority sectors include trucking, logistics, contractors, and oil & gas industries, where B2B relationships and timely payments are crucial to operations.
Clear reporting through accessible client portals keeps you informed without requiring constant check-ins. This transparency, combined with a compliance-first approach that avoids threats or unrealistic guarantees, has earned us recognition as a trusted partner for businesses seeking effective commercial debt recovery.
Ready to recover what you’re owed? Request a free quote
Most reputable agencies charge contingency fees ranging from 10–25% of the funds successfully recovered. The exact rate depends on factors like debt age, amount, and complexity. Fresh commercial debts typically command lower percentages than older or disputed accounts.
Recovery timelines vary by account specifics. Factors influencing the timeline include debtor responsiveness, documentation quality, and whether legal escalation becomes necessary.
Yes, debt collection in Texas falls under both the Fair Debt Collection Practices Act (FDCPA) and the Texas Finance Code. These regulations prohibit harassment, false claims, and unfair practices while establishing clear guidelines for permissible collection activities.
Consider engaging a collection agency when your direct attempts over 60–90 days have produced no response or payment, the debtor has become unresponsive to communications, the debt amount justifies professional intervention, or you lack the internal resources for persistent follow-up.
At Southwest Recovery Services, we offer over 20 years of commercial collection experience with a contingency-only model. Our AI-guided tracking monitors every account across all communication channels, while 12 offices across seven states provide nationwide coverage with personalized service. Our respectful, professional approach recovers debts while protecting your business relationships and reputation.
*Note: Recovery rates mentioned are for general reference only and not guaranteed. Actual results vary by account and industry. Contact Southwest Recovery Services for a customized quote.
We make it fast and easy to refer past due and delinquent accounts to our professional recovery agents. You decide the range on what you will accept on each case, and you ONLY pay a percentage of what we actually collect to resolve the case. Ready to get started, or want to learn more? Fill out this form and a dedicate account manager will call you to get started.
