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Search Collection Agencies in Delaware

Directory >> USA >> Delaware

List of collection agencies in Delaware:

Need a good collection agency in DE for B2B or B2C debt recovery? Contact us

  • Recovery Solutions Group (RSG) : Harrington
  • Capitol Credit Services Inc : Dover
  • First Collect : Lewes
  • SIMM Associates : Newark
  • Hospital Billing Collection Service (HBCS) : New Castle
  • Brandywine Accounts Management Inc (BAMI) : Wilmington
  • Invenio Financial : Wilmington
  • Navient Solutions : Wilmington
  • Phillips & Cohen Associates (International) : Wilmington

Collection Laws in Delaware

Here are some relevant federal and state laws that were in effect as of 2021:

  1. Fair Debt Collection Practices Act (FDCPA): This federal law protects consumers from abusive, deceptive, or unfair debt collection practices. It sets limits on when and how debt collectors can contact consumers and provides consumers with rights to dispute debts and obtain information about the debts.
  2. Fair Credit Reporting Act (FCRA): Another federal law, the FCRA regulates the collection and use of consumer credit information. Consumers have the right to access their credit reports and correct any inaccuracies.
  3. Delaware Statute of Limitations: In Delaware, there is a time limit for when creditors can sue consumers for unpaid debts. As of 2021, the statute of limitations for open accounts (such as credit cards) was three years, and for written contracts, it was also three years. These limitations periods begin from the date of the last activity or payment on the account.
  4. Delaware Collection Agency Licensing: Delaware requires debt collection agencies to be licensed by the state. This provides a measure of oversight and accountability for debt collection agencies operating in Delaware.
  5. Delaware Garnishment Laws: If a creditor obtains a court judgment against a debtor in Delaware, they can garnish the debtor’s wages or bank accounts. Delaware law limits the amount that can be garnished, generally to 15% of disposable wages or the amount by which a person’s weekly wages exceed 30 times the minimum wage, whichever is less.
  6. Delaware Exemption Laws: Delaware has laws that protect certain types of property from being taken by creditors to satisfy a debt judgment. These include exemptions for a person’s primary residence, certain personal property, and retirement accounts.
  7. Debt Buyer Requirements: In Delaware, debt buyers (companies that buy delinquent debts for collection) are required to provide certain documentation to consumers before they can obtain a judgment. This includes proof of the original debt, evidence that the debt buyer owns the debt, and a breakdown of the amount owed.

Please make sure to verify the most current legal information or consult an attorney or legal advisor with expertise in debt collection laws in Delaware for the most up-to-date details on debt collection laws in the state.

Delaware is a business-friendly state with almost 1.3 million incorporated in the state. More than half of Fortune 500 companies are also incorporated in DE. Therefore apart from B2C debt collections, there is always an ongoing requirement of B2B debt collections.

Medical collections, Small business debt recovery and Commercial collections can be done by agencies legally licensed to offer collection services.

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    Note: Nexa is an information portal that helps businesses and medical practices to find a good collection agency at no cost to them. We are not a collection agency. We do not perform any collection activity, nor take payments, nor do any credit reporting. Leads shared with shortlisted agencies with Low Contingency Fee and High Recovery rates.

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    Copyright © 2025 NEXACOLLECT.COM | All information on this website is for general information only and is not an experts advice. We do not own any responsibility for correctness or authenticity of the information, or any loss or injury resulting from it. Nexa is not a collection agency. Relevant inquiries are contacted by our shortlisted collection agency partner(s)

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