Collection agencies in Texas and Laws

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List of collection agencies in Texas

Need a collection agency in Texas but not sure where to start?

Texas is huge, your time isn’t. With more than 31 million residents and some of the highest non-mortgage debt levels in the country, choosing the right partner to handle past-due accounts really matters.

If you’re looking for collection agencies in Texas—Houston, Dallas–Fort Worth, San Antonio, Austin and beyond—we help you shortlist reliable options instead of guessing from Google results.

Not sure which agency to choose?
Contact us and we’ll connect you to suitable Texas agencies at no cost to you.

Why Texas collections are different

Texas isn’t just another state:

The population has surged past 31 million, with major growth in Houston, San Antonio, Dallas–Fort Worth and fast-growing suburbs.
The average total debt per Texas credit consumer is north of $56,000, and average credit card balances in Texas sit among the highest in the U.S.

For businesses, that means:

More customers relying on credit to get by
Higher odds of late or missed payments, especially when the economy wobbles
A complicated legal environment where Texas adds its own rules on top of federal laws

You don’t just need “a collector.” You need the right Texas-savvy agency that understands your industry, treats your customers professionally, and knows state law cold.

How we help Texas businesses pick a good agency

We’re an information portal, not a collection agency. Our role is to:

Understand your industry and A/R issues – medical, dental, B2B, utilities, property management, schools, senior living, etc.
Match you with one or more agencies that already work in your niche and in Texas
Prioritize agencies with solid recovery rates, reasonable contingency fees, and compliant operations
Save you hours of researching, calling, and vetting agencies yourself

You don’t pay us for this; we simply help you narrow down your options and connect you with shortlisted Texas partners.

Mini case study: A Texas distributor that stopped guessing

A mid-sized industrial distributor near Dallas was using a small local agency they’d picked years ago. Results were inconsistent, communication was slow, and older accounts piled up. They weren’t sure whether to find someone in Houston, San Antonio, or stick closer to home.

Here’s what happened when they reached out to us:

They shared their industry, average balance size, and age of receivables.
We suggested a short list of Texas agencies that already handled B2B trade accounts statewide.
They tested one provider with a small batch of 90+ day accounts.

Within a few months:

Their recovery percentages improved compared to the previous firm.
The finance team had clearer reporting and fewer “black box” surprises.
They decided to move all future 90-day+ accounts to the new partner and simplified their A/R policy across Texas.

The key wasn’t magic wording in letters—it was choosing a better-fit agency for their type of debt.

Short guide to Texas debt collection laws

You don’t have to be a legal expert, but it helps to know the basics so you can ask smart questions when you talk to an agency.

Texas Debt Collection Act (TDCA)

Texas’ main state law for debt collection.
Covers many original creditors as well as third-party agencies.
Bans harassment, threats, obscene language, and misleading statements.

Federal Fair Debt Collection Practices Act (FDCPA)

Applies to third-party debt collectors nationwide.
Regulates when and how consumers can be contacted, and what can be said.

Statute of limitations

For many consumer and open-ended accounts, Texas uses a four-year statute of limitations to sue on a debt.
Partial payments or written acknowledgments can sometimes restart the clock, so agencies must handle older accounts with care.

Homestead and property protections

Texas law is known for a strong homestead exemption—in many cases, a person’s primary residence cannot be forced to be sold to pay most types of debts.
Certain personal property, tools of the trade, and vehicle equity may also be protected.

Wage garnishment

Texas generally does not allow wage garnishment for ordinary consumer debts.
Wages may be garnished only for things like child support, some taxes, and defaulted federal student loans.

Bonding and licensing

Many third-party debt collectors operating in Texas must post a bond with the Texas Secretary of State and meet specific registration requirements.

A good Texas agency will be able to explain exactly how they comply with these rules and how they protect you from legal exposure.

(This section is general information, not legal advice. Always consult your attorney for specific questions.)

Texas debt snapshot: why past-due balances are climbing

To understand why so many Texas businesses struggle with receivables, it helps to look at the numbers:

The average total debt per Texas credit consumer is roughly $56,000–$58,000, across mortgages, auto, student loans and credit cards.
Texas ranks near the top nationally for average credit card balances, at around $6,500–$6,600 per person with credit card debt.

When everyday Texans are this leveraged, it’s no surprise that:

Invoices stretch from 30 to 60 to 120 days
Some consumers juggle multiple cards and installment loans
Businesses see more partial payments, broken promises, and write-offs

That’s why choosing the right Texas agency—with the right strategy and tone—matters more than ever.

FAQ – Finding a collection agency in Texas through Nexa

Q1. Are you a collection agency?
No. Nexa is an information portal. We do not perform collection activity, credit reporting, or take payments. We help you find and connect with collection agencies that fit your business and state.

Q2. Do you only list Texas agencies?
We maintain a nationwide directory but highlight agencies with offices in Texas (Houston, Dallas, Austin, San Antonio, etc.) or agencies that actively serve Texas clients.

Q3. How much does it cost to use your help finding an agency?
There is no charge to you for using Nexa to get matched with agencies. You’ll negotiate terms such as contingency rates and fees directly with the agencies you choose.

Q4. How do I know which Texas agency is right for me?
Key factors include:

Your industry (medical, dental, commercial, utilities, government, etc.)
Whether you need consumer, commercial, or mixed collections
Average balance size and age of your receivables
How important it is to preserve long-term relationships

Tell us these basics, and we can shortlist agencies already doing similar work in Texas.

Q5. Do the agencies you list cover all of Texas?
Many Texas agencies collect statewide and even nationwide. Some focus on particular regions or industries. When we connect you, you can confirm their exact coverage and licensing.

Q6. Can you help if I already have an agency but I’m unhappy?
Yes. Many visitors come to us because their current provider is too aggressive, too passive, or not transparent. We can point you to alternative Texas agencies so you can compare recovery, fees, and service.

Q7. Can I suggest a new agency or request changes to a listing?
Yes. If you own or work for an agency listed here and need an update—or you want your agency considered for listing—there are instructions on each agency profile page for sending us corrections.

Looking for a collection agency in Texas?

If you’re tired of guessing which agency to trust, or you’re simply ready to get more serious about A/R, you don’t have to figure it out alone.

Tell us about your business, your state (Texas), and your receivables.
We’ll help you connect with one or more collection agencies that fit your needs.

👉 Start here: Contact us.