List of collection agencies in Jacksonville, FL

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About Jacksonville

Hub: Logistics/ports, finance/insurance, healthcare, defense, manufacturing.
Notables: CSX, FIS, Fidelity National Financial, Florida Blue (GuideWell), Crowley Maritime, JAXPORT.
Big employers: Naval Air Station Jax, Duval County Public Schools, Baptist Health, Mayo Clinic Florida, UF Health, City of Jacksonville.
Famous for: St. Johns River, Atlantic beaches, Jaguars (NFL), largest U.S. city by land area (contiguous), proximity to TPC Sawgrass.

Jacksonville Debt Collection — Polite, Effective, and Built for ROI

From Downtown high-rises to the Beaches, your cash flow shouldn’t be stuck on I-95. If overdue invoices are piling up in San Marco, Riverside/Avondale, Mandarin, Southside, Baymeadows, Ponte Vedra, or Orange Park, we’ll help you recover more while protecting your reputation.
We collect in all 50 states and Puerto Rico.
[Contact us] to get started today.

Why Jacksonville Businesses Choose Us

Cost-effective options: Fixed-fee (~$15 for five contacts) or contingency (40%)—choose what fits the age and size of your accounts.
Compliance you can trust: FDCPA/TCPA aligned and Florida-specific rules followed to the letter.
Reputation-safe approach: Empathetic tone, frequency controls, and thoughtful scripts to keep customers respectful of your brand.
Local + national reach: Whether your customers are around St. Johns Town Center, near EverBank Stadium, or moved out of state—we’ve got them covered.
Clear visibility: Real-time notes, contact logs, and recovery analytics—no black box.

How We Work (Simple & Predictable)

Intake & Segmentation – Secure upload/API, verify data, and segment by balance/age/propensity to pay.
Polite First-Touch – Friendly written + digital nudges that preserve relationships.
Escalation (If Needed) – Skilled phone outreach, dispute resolution, and affordable payment plans.
Legal Only with Your Approval – Clear cost/benefit preview; proceed only if it makes financial sense.
Real-Time Reporting – You see contact history, promises to pay, payments, and recovery KPIs.

Service Types (Step 1–4)

Step 1 — First-Party Reminders (Fixed-Fee)
~$15 per account for five contacts (letters/email/SMS). Payments go directly to you. Ideal for fresh balances.
Step 2 — Firm Written Demands (Fixed-Fee)
Another five written contacts under our name to add urgency—still no percentage if payment goes to you.
Step 3 — Persistent Collections (Contingency 40%)
Human phone outreach, negotiation, skip-tracing where appropriate, and structured plans. No recovery, no fee.
Step 4 — Legal Collections (Contingency 50% unless pre-agreed)
Used selectively and only with your sign-off. Any nominal court filing fees are previewed up front.

You can start at any step; many Jacksonville clients combine Step 2 + selective Step 3 for best ROI.

Reputation Protection (Jacksonville-Ready)

Brand-safe tone that reflects your values—no aggressive tactics.
Contact frequency controls to avoid over-communication.
Local awareness in scripts and timing (work schedules, local holidays, common pay cycles).
Detailed audit trails for every interaction.

Compliance Snapshot (Florida & Federal — In Short)

Florida Consumer Collection Practices Act (FCCPA): We follow Florida’s conduct standards and required registrations for consumer collections.
Statute of Limitations (FL): Generally 5 years for most written contracts and 4 years for oral/open accounts; strategy adjusts with age.
FDCPA: Timely validation, accurate claims, and respectful conduct—always.
TCPA: Respect for consent and time-of-day windows (8am–9pm local).
Credit-Reporting Practices: We follow current bureau rules (e.g., limits around certain medical debts) and support full dispute/reinvestigation procedures.
Data Privacy (HIPAA/GLBA): Minimum-necessary access, secure handling, and documented safeguards.

Industries We Serve

Healthcare & Dental (Baptist/UF Health corridor, independent practices near Southside & Baymeadows)
Education & Training (private K-12, tutoring, skills programs along San Jose Blvd and the Beaches)
Home Services & Contractors (HVAC, plumbing, landscaping across Mandarin, Ponte Vedra, and Arlington)
Professional Services (legal, accounting, marketing firms in Downtown and San Marco)
Memberships & Fitness (gyms, studios around Riverside/Avondale, Nocatee, and Town Center)
Auto, Rentals & Retail (service centers, equipment rentals, ecommerce subscriptions)

What You Get

Higher recoveries without burning bridges
Lower DSO and cleaner A/R aging
Transparent pricing and no surprises
Dashboards and reports your CFO will love

FAQs

Q: Can we try fixed-fee first, then escalate only a few accounts?
A: Yes. Many Jacksonville clients run Step 2 for all new past-dues and escalate only the stubborn balances to Step 3.

Q: Do you accept small balances?
A: Absolutely. Fixed-fee steps are perfect for low-dollar invoices; contingency is better for older or higher balances.

Q: Will outreach upset our customers?
A: Our approach is polite and compliance-checked, with guardrails on frequency and immediate stop rules if needed.

Q: Can you set up payment plans and autopay?
A: Yes—affordable plans with reminders to reduce fall-offs.

Q: Do you cover accounts that moved out of Florida?
A: Yes—all 50 states and Puerto Rico.

Q: What about medical privacy?
A: We follow HIPAA standards and use minimum-necessary data.

Pricing at a Glance

Fixed-Fee Outreach: ~$15 per account for five contacts
Contingency Collections: 40% of amounts recovered (no recovery, no fee)
Legal (optional): 50% contingency (with your approval) + nominal filing fees previewed up front

Ready to Turn Invoices into Cash—Without Burning Bridges?

Let’s clean up past-dues from Downtown to the Beaches—politely and effectively.
Contact Us for a quick estimate and a free A/R review.

Collection Agencies in Jacksonville, FL