Directory >> USA >> Texas >> Garland
List of collection agencies in Garland, TX
- American Collateral Recovery
- Prime Recovery Services
- Roquemore & Roquemore Inc
Struggling with past-due customers in Garland? Let’s fix your cash flow.
Contact us to review your receivables strategy.
Garland businesses deserve better than “send it to collections and hope”
Garland is now a city of more than 240,000 people with nearly 90% of local businesses classified as small businesses, backed by more than 375 manufacturers and several large employers. That mix keeps the local economy busy—but it also means a constant stream of invoices, payment plans, and aging A/R.
Too often, businesses stick with a mediocre recovery partner because switching feels risky:
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You see polite promises but weak follow-through.
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You’re left in the dark on what’s really happening with past-due accounts.
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You worry about Google reviews and word of mouth if someone is too aggressive.
In a city where “Texas is made here” and production lines run all day, your cash flow shouldn’t be the part of the operation that stalls.
Mini case study: turning “uncollectable” Garland accounts into predictable cash
A Garland-area service firm came to us with a familiar story:
They had over 280 past-due accounts scattered across Dallas County and nearby suburbs. Their previous recovery partner only focused on the biggest balances and rarely updated them. Many smaller invoices—under $500—were simply being written off.
We helped them re-segment their A/R:
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They sent a large batch of accounts into Step 2 (Third-Party Demands) for a low fixed fee.
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Only the tougher files moved into Step 3 (Contingency) for more intensive follow-up.
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We cleaned up old, unworkable accounts and gave the client a clear list of files that were truly time-barred under Texas law.
Within a few months, they had recovered tens of thousands of dollars, reduced internal A/R workload, and—most important—built a repeatable process they now use every month.
Our 4-step recovery model built for Garland’s mix of industries
We work as an extension of your office, not a black box. Our model is transparent, flexible, and designed so you can start small and scale up.
Step 1 – First-Party Service ($15 per account)
Gentle, professional reminder contacts made in your name. Ideal when you want a nudge that still feels like it’s coming from your own team.
Step 2 – Third-Party Demands ($15 per account)
Firm but professional notices and follow-ups from us as an outside partner. This is where most Garland clients start: low cost, fast deployment, and excellent for batch placements.
Step 3 – Contingency Service (40%)
No recovery, no fee. We invest more time and effort into the harder accounts—skips, chronic late payers, and older balances—so your team doesn’t have to.
Step 4 – Legal (50%)
When it makes business sense to pursue legal action, we coordinate with experienced attorneys who understand Texas procedures and the cost-benefit realities of suing on a debt.
Model in practice:
Most Garland businesses use Step 2 for the bulk of their placements, and then upgrade selected files to Step 3 if earlier efforts don’t resolve the balance.
Why switch to us if you already have someone “handling collections”?
If your current partner is just going through the motions, staying put is more expensive than changing.
Reasons Garland businesses move over to us:
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Recover more with the same staff. Stretch your internal A/R team further without hiring extra collectors.
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Protect your name in the community. We’re careful with tone and timing so your Google reviews and local reputation stay strong—even when conversations get difficult.
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Keep legal risk low. We respect Texas and federal regulations, and we build our process to avoid the complaints and regulatory issues that come with pushy tactics.
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Straightforward pricing. You always know what you’re paying:
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Step 1: $15
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Step 2: $15
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Step 3: 40% contingency
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Step 4: 50% on legal recoveries
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Nationwide reach. Many Garland companies serve customers across the U.S. We can pursue accounts in all 50 states, so your process stays consistent even when your customers are scattered.
Think of it this way: don’t let your cash flow back up like traffic on the President George Bush Turnpike. A better lane is available.
Texas collection basics every Garland business should know
You don’t need to be a legal expert—but you do need a partner who respects the rules.
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Four-year statute of limitations (most debts). In Texas, most lawsuits for unpaid debts must be filed within 4 years of default. After that, the debt may still exist, but it’s generally “time-barred” for lawsuits.
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Homestead and wage protections. For most consumer debts, Texas law strongly protects primary residences declared as homesteads and generally doesn’t allow wage garnishment for ordinary unsecured debts.
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Commercial vs. consumer accounts. Some consumer protections don’t apply to corporate or LLC debtors, which changes strategy on business-to-business files.
We factor these rules into our recommendations so you don’t waste money chasing accounts that are legally weak—or take unnecessary risks on accounts that need a more careful approach.
Who we help in Garland and across the Metroplex
We work with a wide range of organizations in and around Garland, including:
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Medical, dental, and specialty healthcare practices
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Trades and home services (HVAC, electrical, landscaping, contractors)
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Property managers and HOAs
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Manufacturers and suppliers tied to Garland’s strong industrial base
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Professional services (CPAs, law firms, consultants)
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Education and training providers
Whether your office is near Firewheel Town Center, close to Lake Ray Hubbard, or in one of Garland’s industrial corridors, we build a recovery plan that fits your customer base and payment culture.
FAQs – Garland, TX past-due accounts and our process
Do you only work with Garland businesses?
No. We’re a national partner with the ability to collect in all 50 states, but we pay close attention to Garland’s local business climate and Texas law.
Is there a minimum number of accounts I need to place?
We can work with smaller batches to get started, then grow with you. Many clients begin by testing a handful of accounts in Step 2 before rolling out a broader program.
What types of debts can you handle?
We work with consumer and commercial accounts—medical bills, service invoices, membership fees, tuition, leases, and more. We’ll review your mix and tell you honestly where we can add the most value.
Will you talk to my customers in a way that fits our brand?
Yes. We’re very intentional about tone. The goal is to get you paid without burning bridges, especially in a community-focused city like Garland where word travels fast.
How do the 4 steps work together in practice?
You decide which steps to use. A common pattern is:
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Send a broad group of accounts into Step 2 for low-cost third-party demands.
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Move only the tougher, higher-value files into Step 3 on contingency.
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Consider Step 4 (Legal) for select accounts where the balance, documentation, and debtor profile justify the cost.
How do you handle time-barred or legally sensitive accounts?
We review your placements with Texas limitations periods in mind and advise when an account is too old for suit or carries elevated legal risk. Our focus is on smart recoveries, not just aggressive activity.
How quickly can we get started?
Once we understand your current A/R, data format, and goals, we can typically begin with a pilot batch and then fine-tune from there.
Ready to see better results from your past-due accounts in Garland?
Contact us