Collection agencies in Tennessee and Laws

Directory >> USA >> Tennessee

List of collection agencies in Tennessee

Tennessee Revenue Recovery — Cost-Effective, Compliant, Reputation-Safe

From Memphis and Germantown to Nashville, Franklin, Murfreesboro, Knoxville, and Chattanooga, unpaid invoices strain cash flow and staff time. We turn past-due accounts into predictable revenue with a brand-safe, compliance-first approach—so you keep patients, tenants, and customers while getting paid. We collect in all 50 states and Puerto Rico.

Popular path: Most clients use Step 2 (Fixed-Fee) → Step 3 (Contingency) for the best balance of low cost and higher lift.

Why Switch to Us? (The Better Solution)

Tired of high fees and thin results? Our Google-loved service emphasizes courtesy, transparency, and real outcomes.
Lower total cost: Start with low-cost Fixed-Fee touches (about $15). Pay a percentage only when deeper effort is needed.
Reputation protected: Polite, professional, and compliant outreach that mirrors your brand voice.
Anywhere you do business: All 50 states + Puerto Rico—one partner, unified reporting.

Our Services & Pricing (Multi-Step Approach)

• Step 1 — First-Party Courtesy Reminders (Fixed-Fee)
We act as your extension with five soft reminders for fresher balances (0–60 days), sent as if from you. Typical Fee: $15/account.

• Step 2 — Third-Party Written Demands (Fixed-Fee)
Five professional letters on our letterhead that prompt action while preserving goodwill. Digital contacts may be added where permitted. Typical Fee: $15/account.

• Step 3 — Full Third-Party Collections (Contingency)
Persistent, polite phone + digital; payment plans and settlements when helpful. Typical Fee: 40% of amounts recovered. No recovery, No Fee.

• Step 4 — Legal Collections (Contingency, client-approved)
Attorney escalation only after in-depth review; nominal filing fees initiated and reimbursed upon recovery. Typical Fee: 50% of amounts recovered. No recovery, No Fee.

Notes: In Steps 1–2, payments go directly to you; no extra fees.
Free: Bankruptcy screening • Litigious-debtor check • Latest address check • Credit reporting (if you want and if the law permits).

Tip: Newer accounts recover better than older ones—place early.

Industries We Serve

Medical, dental, senior living, schools/training, utilities, auto, professional services (law/CPA/MSP/SaaS), gyms & memberships, property management, parking, towing, home services/contractors, B2B suppliers, and more.

How We Work

Free consultation and quick file review.
Securely place accounts (simple CSV; we map fields).
We begin work with your tone and guardrails (settlements/reporting by your approval).
You get paid and see clear dashboards and notes.
(This is practical guidance, not legal advice. We tailor our approach to your facts and latest rules.)

Important Tennessee Collection Law

Statute of limitations: In Tennessee, many contract debts are generally enforceable for up to six (6) years, while contracts for sale of goods (UCC) are four (4) years; certain negotiable instruments also carry six (6) years. Track last payment/acknowledgment and avoid time-barred actions.

Frequently Asked Questions

What if the debtor left Tennessee?
We work nationwide (50 states + Puerto Rico), so relocation doesn’t stall your recovery.
Do I pay if you don’t collect?
Fixed-Fee (Steps 1–2): low, per-account cost for five contacts. Contingency (Steps 3–4): No recovery, No Fee (40%/50%).
How do you protect our reputation?
Polite, solutions-oriented communication, clear disclosures, and your approval on settlements and reporting—brand-safe by design.
Can I start at Step 3?
Yes. Many clients with older or higher-balance accounts begin at Step 3 for immediate lift.

Ready to Recover Your Revenue?

Contact us for a no-obligation Tennessee quote and plan today.

Collection Agencies in Tennessee and Laws