Collect911

Collection Agency in Texas: Collect911

Maximize Your Cash Flow with Collect911—Texas’s Trusted Debt Collection Partner

For over a decade, Collect911 has been the go-to debt recovery solution for thousands of businesses, government institutions, colleges, hospitals, and medical and dental practitioners across Texas. Fully licensed in Texas, we combine local expertise with a national reach, enabling us to pursue debts in all 50 states and Puerto Rico. So, even if your debtor has moved out of state, we’ve got you covered.

Why Choose Collect911 for Your Debt Recovery Needs?

Tailored Solutions That Fit Your Business

  • Flexible Service Options: Choose between our low-cost Flat-Fee Connect Service, where accounts never expire and debtors pay you directly, or our traditional Contingency Service. We adapt to your needs—not the other way around.

  • No Hidden Fees or Commitments: Enjoy peace of mind with no minimum balance requirements, no minimum number of accounts, no setup fees, and an open-ended, non-committal customer agreement.

Protecting Your Reputation While Maximizing Returns

  • Respectful and Ethical Collections: We understand that your business reputation is paramount. Our approach ensures debtors are treated with respect and professionalism.

  • Top-Rated Service: With over 1,300 Google reviews averaging 4.8 out of 5 stars, 90% from individuals we’ve helped resolve their debts, we pride ourselves on ethical practices that reflect positively on your business.

High Recovery Rates with Compliance Assurance

  • Specialized Teams: Our dedicated experts in B2B (Commercial Debt) and B2C (Consumer Debt) collections work diligently to recover your funds efficiently.

  • Regulatory Compliance: We strictly adhere to FDCPA, HIPAA, TCPA, and GLBA regulations, ensuring that all collection activities are compliant with federal laws.

Enhanced Security and Accessibility

  • Secure Client Portal: Manage your accounts through our secure online portal with two-factor authentication, ensuring your data is protected at all times.

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

Additional Benefits

  • Free Credit Bureau Reporting: We offer complimentary reporting to credit bureaus, incentivizing prompt debtor repayment.

  • Nationwide Reach: If your debtor relocates outside Texas, our national capabilities ensure uninterrupted collection efforts.

Our Services:

We offer both fixed fee and contingency services.

Texas collection packages

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    Texas Collection Laws:

    Here’s an overview of some of the most important debt collection laws in Texas:
    1. Texas Debt Collection Act (TDCA):
      • Found in Chapter 392 of the Texas Finance Code, the TDCA governs the conduct of debt collectors in the state of Texas.
      • This law prohibits a range of deceptive, fraudulent, and abusive tactics. For example, it is illegal for a collector to misrepresent the character, amount, or legal status of a debt or to threaten to take actions that are not legal.
    2. Statute of Limitations:
      • Texas has set statutes of limitations for various types of debts, during which time creditors or collectors can initiate legal action to collect a debt:
        • Oral contracts: 4 years
        • Written contracts: 4 years
        • Promissory notes: 4 years
        • Open-ended accounts (e.g., credit cards): 4 years
    3. Exemptions from Garnishment:
      • In Texas, wages cannot be garnished for consumer debt; however, they can be garnished for child support, alimony, taxes, and student loans.
      • Certain types of income, such as social security, retirement pensions, and workers’ compensation, are typically exempt from garnishment.
    4. Homestead Exemption:
      • Texas has a generous homestead exemption, which protects a debtor’s primary residence from being seized by unsecured creditors, irrespective of the property’s value.
    5. Bonded Debt Collection Agencies:
      • Texas requires third-party debt collectors to post a bond with the state. If a debt collector violates the TDCA or other laws, consumers may have the right to make a claim against this bond.
    6. Debt Validation:
      • As with the federal Fair Debt Collection Practices Act (FDCPA), Texas law gives consumers the right to request validation of a debt. Debt collectors must provide adequate verification of the debt upon request.
    7. Limits on Communication:
      • Similar to the federal FDCPA, the Texas Debt Collection Act has provisions regarding when and how debt collectors can communicate with consumers. For instance, a debt collector is prohibited from calling a debtor repeatedly with the intent to annoy or harass.
    8. Prohibited Practices:
      • The TDCA outlines various practices that are deemed prohibited when collecting a debt. This includes using threats of violence, accusing the consumer of a crime, or using defamatory language.
    Debtors and creditors in Texas should be familiar with these provisions to ensure compliance and the protection of their rights.