Based in Virginia Beach, Collect911 is a premier debt recovery firm serving the entire Commonwealth—from the government corridors of Northern Virginia to the logistics hubs of Richmond and the maritime coast of Hampton Roads.
Why Virginia Businesses Trust Us:
-
Local Expertise, National Reach: While we are experts in Virginia law, we are fully licensed to collect in all 50 states and Puerto Rico.
-
4.85-Star Reputation: We recover your money without ruining your online reviews. Our diplomatic approach ensures you get paid while preserving your business relationships.
-
No Risk Pricing: Our contingency model means we only get paid when you do.
Serving Virginia’s Unique Economy
Virginia is not just one market. We tailor our strategies to the diverse sectors that drive the state:
-
Northern Virginia (NoVA): Specialized recovery for Government Contractors, Tech Firms, and Property Managers in Fairfax, Tysons, and Loudoun County.
-
Richmond & Central VA: Solutions for Medical Practices, Dental Offices, and Logistics/Trucking companies.
-
Hampton Roads: Debt recovery for Tourism, Maritime Services, and Credit Unions in Virginia Beach and Norfolk.
Our Flexible Pricing Models
We offer two simple ways to engage our services, designed to fit your budget and the age of your debt:
1. Fixed-Fee Service (Pre-Collect)
-
Best for: Recently overdue accounts (under 90 days).
-
Cost: Low flat fee per account (e.g., $15).
-
Benefit: You keep 100% of the recovered money. It serves as a gentle “nudge” from a third party.
2. Contingency-Based Service
-
Best for: Older debts, judgments, or unresponsive debtors.
-
Cost: A percentage of what we collect.
-
Benefit: No Recovery, No Fee. If we don’t collect, you pay $0.
Our Collection Process
We use a “Diplomacy First” approach that escalates only when necessary:
-
Data Scrubbing: We check for bankruptcy, litigious history, and address changes immediately.
-
Soft Outreach: Professional letters and calls to resolve the oversight gently.
-
Intensive Recovery: Skip-tracing and negotiation by trained specialists.
-
Legal Escalation: If standard efforts fail, we can (with your permission) utilize our network of Virginia attorneys to pursue judgments.
Virginia Collection Laws: What You Need to Know
Virginia has specific statutes that protect both consumers and creditors. We ensure your business stays compliant with the Virginia Fair Debt Collection Practices Act (VFDCPA).
-
Statute of Limitations:
-
Written Contracts: 5 Years.
-
Open Accounts (Credit Cards/Revolving): 3 Years.
-
Note: Once this period expires, you cannot file a lawsuit, but we can still attempt voluntary collection.
-
-
Judgments:
-
Valid for 10 years and can be renewed for another 10, giving you a 20-year window to collect.
-
-
Wage Garnishment:
-
Virginia allows garnishment of the lesser of 25% of disposable earnings or the amount exceeding 30 times the federal minimum wage.
-
-
Communication Rules:
-
Strict adherence to “Convenient Time” rules (8 AM – 9 PM) and validation notice requirements (sending the debt validation letter within 5 days of initial contact).
-
Take the Next Step
Don’t let unpaid invoices impact your payroll or growth. Partner with a Virginia-based agency that understands your local market.