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List of collection agencies in Lexington, KY
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Your Partner for Revenue Recovery in Lexington
We help Lexington businesses just like yours—from healthcare providers on Nicholasville Road to B2B suppliers in the Hamburg area—recover outstanding balances, professionally and effectively.
We understand the unique Bluegrass economy, from healthcare and manufacturing to its world-renowned equine industry. Our process is designed to protect your brand reputation while delivering exceptional results. We are highly rated on Google because we treat every interaction with the respect your brand deserves.
A Better Partner for Your Bottom Line
If you’re frustrated with your current agency’s high fees, poor communication, or aggressive tactics, it’s time to switch. We offer a smarter, more professional alternative.
- A Reputation-First Approach: We are not an aggressive, “old-school” agency. Our polite, professional process gets results without damaging your customer or patient relationships.
- National Reach, Local Expertise: We can collect in all 50 states and Puerto Rico. This is critical for Lexington’s national-level manufacturing, healthcare, and B2B service companies.
- Cost-Effective Model: We blend low-cost fixed-fee options with a contingency service, so you get the right pressure for the right account.
- Full Compliance: We are experts in all federal and state laws, protecting you from legal risk.
How We Work: A Simple, Scalable Process
We offer flexible steps to match your needs. Most of our Lexington clients find success starting with Step 2, followed by Step 3 for tougher accounts. (This is practical guidance, not legal advice. We tailor our approach to your specific situation and the latest rules.)
- 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 these reminders are coming from you.
- Typical Fee: $15 per account.
- Step 2 — Third-Party Written Demands (Fixed-Fee) Five professional letters on our letterhead that prompt action while preserving goodwill. We may also mix in digital contacts where permitted by law.
- Typical Fee: $15 per account.
- Step 3 — Full Third-Party Collections (Contingency) Persistent, polite phone and digital outreach. We negotiate payment plans and settlements to get you paid.
- Typical Fee: 40% of amounts recovered. No Recovery, No Fee.
- Step 4 — Legal Collections (Contingency, Client-Approved) For the most difficult accounts, we escalate to an attorney after an in-depth review, and only with your explicit approval. Nominal filing fees are initiated and reimbursed upon recovery.
- Typical Fee: 50% of amounts recovered. No Recovery, No Fee.
For Steps 1-2, payments go directly to you with no extra fees. You may also be able to claim this fixed-fee cost as a business expense.
Remember: Newer accounts have better recovery rates. Don’t wait until a balance is too old.
Industries We Serve in the Bluegrass
We work with small and large businesses across Fayette County, with deep experience in:
- Healthcare & Dental: (Providers for UK, Baptist Health, St. Joseph, and private clinics – HIPAA Compliant)
- B2B & Professional Services: (Law firms, accounting, services for local HQs like Lexmark & Valvoline)
- Manufacturing & Logistics: (Suppliers for the auto and tech industries)
- Equine & Agribusiness: (Vets, feed suppliers, specialty services)
- Schools & Private Education
- Utilities, Gyms, & Senior Living
- …and many more.
Recent Lexington-Area Results
- $16,500 Recovered for a B2B supplier that services a local manufacturing plant. The client was disputing the invoice; we helped mediate and collect.
- $7,800 Collected for an equine veterinary practice near Keeneland for unpaid services after a high-profile sale.
- $11,200 Secured for a dental group on Man o’ War Blvd from multiple patient accounts that were 120+ days past due.
A Note on Kentucky Compliance
As your partner, we navigate all complex laws. A key fact for Kentucky businesses is the generous statute of limitations. For most written contracts, you have 10 years to pursue the debt (KRS 413.090).
While Kentucky does not require a state-specific license, we are fully compliant with all federal laws (like the FDCPA and TCPA). We act as your professional, compliant partner.
Frequently Asked Questions
What makes you different from a local Lexington agency?
A: Our technology and our reach. Many debtors leave the state. A local-only agency cannot effectively pursue them. Our 50-state license and national data tools mean we can recover your money, wherever it is.
Do you handle healthcare accounts?
A: Yes. This is a core specialty. We are fully HIPAA compliant and will sign a Business Associate Agreement (BAA) with your practice. We understand the sensitivity of patient relationships.
My B2B client is disputing an invoice. Can you help?
A: Yes. This is common. Our B2B specialists act as professional, third-party mediators. We review contracts and POs to validate the debt and negotiate a resolution.
Why not just use a flat-fee service?
A: Our fixed-fee (Step 2) is a powerful, low-cost first move. But for stubborn accounts, you need persistent, professional follow-up. Our Step 3 contingency service provides that. We offer both, so you get the right service for the right account.
Ready to Improve Your Cash Flow?
Stop wasting time on unpaid invoices. Let us help you recover what you’re owed. Contact us for a no-obligation quote.