Directory >> USA >> Texas >> McKinney
List of collection agencies in McKinney, TX
- TSC Accounts Receivable Solutions
- Allied Collection Resource
- Emperium Group, LLC
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McKinney isn’t a sleepy suburb anymore. It’s the county seat of Collin County, part of the booming DFW metro, and now home to more than 200,000 residents with fast growth in professional services, healthcare, and finance.
That growth shows up in your receivables:
- Patient balances from Medical City McKinney, Baylor Scott & White, and large group practices
- Tuition, activity fees, and housing balances tied to schools and Collin College
- B2B invoices from service firms supporting tech, manufacturing, logistics, and insurance
The twist: Texas has some of the strongest debtor protections in the country. If your current agency treats McKinney like “just another big city,” you may be getting lower recovery and more risk than you realize.
Nexa is an information portal, not a collection agency. We don’t call your customers or patients and we don’t credit-report. We help McKinney-area businesses and medical practices find Texas-compliant collection agencies that fit their needs; you stay in control and decide whether or not to use them.
Why Texas Is a Special Case for Collections
Texas is creditor-friendly in some ways (clear rules, business-oriented courts) but very protective of wages and homesteads:
- Very strong homestead protections – Your customer’s primary residence is heavily shielded from most ordinary debts.
- No wage garnishment for consumer debts – For typical consumer obligations (credit cards, medical, many personal loans), you generally cannot garnish wages; only limited categories like child support and certain federal debts are eligible.
- A relatively short statute of limitations (4 years) on most debts, consumer and commercial.
So the classic “we’ll garnish their paycheck and slap a lien on everything” posture doesn’t really work in Texas the way it might elsewhere. A good McKinney-savvy agency understands that and still gets results.
Texas Debt Collection Act – Chapter 392
Texas has its own debt-collection statute: Texas Finance Code Chapter 392 (Texas Debt Collection Act). It works alongside the federal FDCPA and applies to third-party collectors and credit bureaus handling consumer debt.
Key points your agency should already be living by:
- Bond requirement – Third-party debt collectors must file a $10,000 surety bond with the Texas Secretary of State before engaging in debt collection.
- Prohibited methods – Threats, coercion, harassment, misrepresentation of the amount or status of the debt, and false threats of arrest or seizure are explicitly banned.
- Business name accuracy – Collectors must use their true business or professional name and maintain a list of names used in collection activities.
A McKinney-ready agency should be able to send you its bond details, written policies, and sample letters that clearly line up with Chapter 392—not just say “we’re compliant.”
Four-Year Statute of Limitations – Consumer and Commercial
In Texas, the statute of limitations is generally four years on most common debt types, including:
- Written contracts
- Open accounts (e.g., many credit cards)
- Promissory notes
- Many medical and business invoices treated as contract debts
For you, that means:
- If you wait too long, you lose the right to sue on the debt.
- Collectors must not threaten lawsuits after the four-year window closes.
- Payments or written acknowledgments can sometimes restart the clock, so tracking dates correctly really matters.
A solid agency will:
- Capture date of last payment and date of default on every file
- Flag accounts approaching 3–4 years for priority attention
- Clearly mark time-barred debts so letters and calls don’t imply litigation that’s no longer possible
No Wage Garnishment for Consumer Debts – So What Can You Do?
Texas gives consumers a big shield on wages:
- For typical consumer judgments, current wages cannot be garnished to pay credit cards, medical bills, or many personal loans.
That doesn’t make collection impossible in McKinney—it just changes the playbook:
- Voluntary payment plans and settlements become more important
- Agencies rely on negotiation, education, and structured follow-ups, not wage threats
- For some commercial and higher-balance files, liens, bank garnishment, or collateral recovery may still be in play if judgments and assets justify it
If your current agency leans heavily on “we’ll take their paycheck,” they don’t really understand Texas.
Federal Laws Still Set the Baseline
Even with strong Texas-specific rules, any competent agency in McKinney must also respect:
- FDCPA (Fair Debt Collection Practices Act) – Federal floor on harassment, false statements, and unfair practices for consumer debts.
- FCRA (Fair Credit Reporting Act) – Accuracy, dispute handling, and proper updating of tradelines for any credit reporting.
- HIPAA – For medical and dental collections, agencies must treat PHI appropriately, sign BAAs, and use “minimum necessary” disclosures.
- TCPA (Telephone Consumer Protection Act) – Controls use of auto-dialers, texts, and prerecorded messages to cell phones.
McKinney’s high-income, review-driven demographics mean bad collection behavior will show up fast in complaints and online ratings.
Local McKinney Context: Who Owes What?
McKinney’s economy is anchored by:
- Professional, scientific, and technical services
- Healthcare and social assistance
- Finance and insurance
That translates into several big AR pain points:
- Healthcare AR – Deductibles and co-pays from large hospital systems and specialty practices
- High-income but highly leveraged households – People with good jobs but big mortgages, tuition, and cost-of-living pressures
- B2B credit – Service providers, contractors, and vendors extending terms to local businesses
A McKinney-savvy agency will:
- Adjust tone and timing for professionals with irregular bonus cycles
- Treat medical accounts with clear explanations and realistic terms, not shame or pressure
- Separate commercial files (invoices, service contracts) from consumer accounts and apply the right legal and strategic approach to each
What a Good McKinney-Focused Agency Looks Like
If you’re serving McKinney, your ideal partner should be able to:
- Show you their Texas surety bond and explain how they comply with Chapter 392
- Provide sample letters that reflect both FDCPA and Texas-specific requirements
- Segment your placements by:
- Age (under/over 4 years)
- Type (consumer vs. commercial, medical vs. non-medical)
- Balance ranges (small-balance fixed-fee vs. larger contingency-based files)
- Offer strategies that:
- Keep your legal risk low while recovering more
- Stretch your internal AR team without adding headcount
- Protect your Google reputation while still getting paid
If they can’t talk intelligently about Texas garnishment limits, homestead protections, and the 4-year SOL, they’re not really built for your market.
When It’s Time to Switch Agencies in McKinney
It may be time to rethink your partner if:
- Recovery has flattened or dropped, even though placements keep coming
- You’re hearing more about collector tone than about resolving the original bill
- Reports don’t clearly show which accounts are time-barred or low-value
- The agency never mentions Texas Finance Code 392, surety bonds, the 4-year limitation, or wage-garnishment limits
In a fast-growing, high-expectation city like McKinney, you need an agency that understands both Texas law and local economics—so you can turn more of those stubborn receivables into predictable cash, without putting your brand or legal position at risk.
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