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Collection Agencies in New York | Debt Collection Laws

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List of collection agencies in New York State 

Get a free consultation with our NYC DCWP-licensed collections team. We help New York businesses recover past-due balances while protecting brand reputation across New York City, Long Island, and Upstate NY.

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Fast start. Low friction. Industry-specific workflows.

Why New York Is Different (and Why We’re Built for It)

  • NYC license required: Our collectors are authorized to collect from NYC residents under DCWP rules.

  • 3-year statute of limitations (most consumer credit): We triage by account age to avoid barred actions and wasted legal spend.

  • Debt substantiation within 60 days: Collections pause until written proof is provided (23 NYCRR 1.4).

  • Consumer judgment interest = 2%: Recovery modeling reflects New York’s reduced rate for consumer debt.

  • NYC Small Claims up to $10,000: Practical legal pathway for lower balances when appropriate.

Bottom line: New York compliance isn’t optional. Our policies, scripts, and documentation flows are designed for NYC/NY.

Industries We Serve

  • Medical & Dental: Patient-friendly outreach, explanation of benefits, flexible payment options.

  • Senior Living: Sensitive family communications, Medicaid/POA coordination, reputation-safe recovery.

  • Education: Private K-12 and higher-ed—tuition, fees, dorm damage, installment plans.

  • Utilities & Home Services: Final bills, move-outs, amicable resolution with low complaint rates.

  • Fitness & Memberships: Card-on-file churn, disputes, freeze/termination clarity.

  • Commercial / B2B: Credit & terms expertise, documentation lift, amicable-to-legal escalation.

Recent New York Results

  • Manhattan dental group — 42% recovered in 60 days via sequenced letters + portal payments.

  • Brooklyn fitness studio — $18.4k recovered; refunds down 37% after policy clarification.

  • Albany SaaS vendor (B2B) — 61% at 90 days through amicable outreach + dispute-substantiation flow.
    Illustrative, anonymized examples. Results vary with balance mix and documentation quality.

How We Work

  1. Profile & strategy: We review your balances, age, and documentation to set targets and compliance notes.

  2. Go-live: Secure data handoff, scripts and notices aligned to NYC/NY requirements, and branded payment options.

  3. Optimize: Weekly insight on contact rates, promises-to-pay, and recoveries; rapid iteration on messaging.

Flexible Start — Pick Your Step

  • Step 1 — First-party reminders (5 touches) — Fixed-fee. Best for very new balances/reactivation.

  • Step 2 — Third-party written demands (5 letters) — Fixed-fee. Best for 45–120-day balances with documentation ready.

  • Step 3 — Third-party collections (calls + digital) — Contingency. Best for older or higher-balance accounts.

  • Step 4 — Legal collections (your approval) — Contingency. Best for documented, litigable accounts.

Fixed-fee steps: payments go directly to you; no added charges. Legal steps: only nominal court filing fees upfront (reimbursed upon recovery).

Service Highlights

  • NYC/NY compliance built-in (DCWP, 23 NYCRR 1.4, SoL triage, 2% judgment interest).

  • Reputation protection (recorded calls, humane scripts, audit trails).

  • Digital-first recovery (email, SMS, portal, IVR) with ADA-aware and multilingual options.

  • Transparent reporting (placement status, pay-ins, disputes, recovery analytics).

FAQs

Are you licensed to collect in NYC?
Yes—our team maintains the required DCWP license to contact NYC residents.

What statute of limitations do you follow?
For most consumer credit actions in New York, the SoL is 3 years; we triage by age and advise on risk.

What interest rate applies to consumer judgments?
New York’s post-judgment interest for consumer debt is 2% annually.

Can you handle balances under $10,000?
Yes. We use NYC Small Claims Court strategically where it benefits speed and net recovery.