Collect911

California’s Trusted Collection Agency for Business & Medical Debt

Recover Revenue. Protect Your Reputation. Stay Compliant.

You provided the service. You sent the invoice. You deserve to be paid.

Collect911 is a premier debt recovery firm serving the entire state of California. Whether you are a medical practice in Los Angeles, a tech startup in San Francisco, or a logistics company in Long Beach, we recover your funds while maintaining the professional relationships you’ve worked hard to build.

At a Glance: Why CA Businesses Choose Us

  • Industry-Leading Recovery Rates: We outperform national averages by leveraging advanced skip-tracing and credit reporting.

  • 100% Compliant: Strictly adhering to the Rosenthal Act, HIPAA, and FDCPA.

  • 4.8/5 Star Rating: Trusted by clients with over 2,000+ Google Reviews. Rated 4.8 /5.

  • Statewide Reach: Serving San Diego, San Jose, Sacramento, Fresno, and every city in between. Licensed in all 50 states, so if your debtor crossed state lines, we can continue to pursue collections.

Two Flexible Pricing Models

We don’t believe in one-size-fits-all. Choose the plan that fits your cash flow.

1. Contingency Service (No Recovery, No Fee)

Best for older or difficult debts. We shoulder the risk.

  • Zero upfront cost.

  • We only get paid when you get paid.

  • Includes comprehensive skip-tracing, credit bureau reporting, and litigation support if needed.

2. Fixed-Fee Service (Pre-Collection)

Best for recent debts (under 90 days). Keep 100% of the money collected.

  • Pay a small, flat fee per account.

  • Monies are paid directly to you.

  • Acts as a gentle extension of your billing department to nudge payments without burning bridges.

Industry-Specific Expertise

For Medical & Dental Practices

Patients are not just debtors; they are your community. California’s medical landscape requires a delicate touch. We specialize in collecting for Dentists, Urgent Care, and Private Practices while strictly adhering to HIPAA and California medical billing regulations. We recover the funds without triggering malpractice claims or negative online reviews.

For Commercial (B2B) Business

Don’t let unpaid invoices choke your cash flow. From Silicon Valley SaaS contracts to Construction liens and Freight/Logistics disputes, we understand commercial leverage. We report to commercial credit bureaus (Dun & Bradstreet, Experian Business), giving debtors a powerful incentive to pay you first to protect their own credit lines.

Ironclad Compliance & Security

California has some of the strictest collection laws in the nation. One mistake can lead to a lawsuit. We protect you by handling the legal complexities.

  • The Rosenthal Fair Debt Collection Practices Act (RFDCPA): We strictly follow California’s specific extension of federal law, ensuring no harassment or unfair practices.

  • Data Security: Your data is protected by 256-bit encryption and our client portal features Two-Factor Authentication (2FA).

  • Statute of Limitations: We monitor California’s 4-year statute on written contracts so you never miss a legal window to collect.

  • No Hidden Fees or Commitments: Enjoy our services without any minimum balance requirements, minimum number of accounts, setup fees, or binding contracts. Our customer agreement is open-ended and non-committal.

  • Complimentary Credit Bureau Reporting: Benefit from free credit bureau reporting, enhancing the effectiveness of our collection efforts.

  • High Recovery Rates with Full Compliance: We achieve excellent recovery rates while strictly adhering to FDCPA, HIPAA, TCPA, and GLBA regulations.

  • Personalized Support: Beyond our central customer service team, you’ll have a dedicated Sales Representative assigned to you for direct, personalized assistance.

Areas We Serve

We are fully licensed and bonded to collect anywhere in California, including:

  • Southern California: Los Angeles, San Diego, Long Beach, Anaheim, Riverside.

  • Northern California: San Francisco, San Jose, Oakland, Sacramento, Fresno.

  • Central Coast & Inland Empire.

Wage Garnishment

  • California has specific laws that limit the amount of wages that can be garnished to repay a debt. The state provides greater protection than federal law, allowing only the lesser of 25% of a worker’s disposable earnings or the amount by which a worker’s disposable earnings for the week exceed 40 times the state minimum hourly wage.
  • Certain types of income, like social security, disability, and retirement, are exempt from garnishment in California.

Ready to Clear Your A/R Ledger?

Don’t let another 30 days pass. The older a debt gets, the harder it is to collect.

Need a Collection Agency for your unpaid Invoices? Contact us