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List of collection agencies in Minneapolis, MN
Need a Collection Agency? Contact Us
Your Minneapolis Partner for Better Recoveries
We help Minneapolis businesses get paid. Whether you’re a B2B firm in the North Loop, a dental practice in Edina, or a property manager with buildings connected to the Skyway, we understand the local business landscape.
Our entire process is built to protect your brand reputation and customer relationships—a key reason we have excellent Google reviews. We deliver results professionally and compliantly.
Why Minneapolis Businesses Choose Us
If your current agency is too aggressive, too expensive, or simply not delivering, it’s time to switch. We offer a smarter, more cost-effective partnership.
- Protect Your Brand: We are professionals, not enforcers. Our respectful approach gets results without alienating your customers.
- National Reach, Local Focus: We know Minneapolis, but we can also pursue accounts anywhere in all 50 states and Puerto Rico.
- Cost-Effective Options: We blend low-cost fixed-fee services with a powerful, no-risk contingency model.
- Total Compliance: We are experts in Minnesota’s specific collection laws, protecting you from legal and financial risk.
- Free Value-Added Services: Every account receives free bankruptcy screening, free litigious debtor checks (to minimize lawsuit risk), and free latest address verification.
About Minneapolis
Minneapolis is a dynamic center of commerce and culture. It’s the proud headquarters for industry giants like Target and U.S. Bancorp and a leader in healthcare and finance. But it’s also a city defined by its vibrant arts (like the Guthrie Theater), the iconic Stone Arch Bridge over the Mississippi, and its beloved “City of Lakes.” We understand the high standards of this community.
How We Work: A Practical, Scalable Process
We offer flexible steps to match your needs. Most of our Minneapolis clients find great success starting with Step 2, followed by Step 3 for more stubborn 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. Five soft reminders for new balances (0–60 days), sent as if they’re 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) Our team uses 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, making this service even more affordable.)
Remember: Newer accounts have better recovery rates. Don’t wait until a balance is too old.
Industries We Serve
We work with small and large businesses across Minneapolis and the Twin Cities, including:
- Medical, Dental & Healthcare (HIPAA Compliant)
- Schools and Private Education
- Utilities and Auto
- Professional Services (B2B)
- Gyms & Fitness Centers
- Senior Living & Assisted Living
- Parking and Towing
- …and many more.
Recent Minneapolis-Area Results
- $4,800 Recovered for a North Loop marketing firm from a national client who had disputed the final invoice.
- $8,100 Collected for an Edina dental group by combining our Step 2 and Step 3 services, successfully reactivating multiple aged patient accounts.
- $9,500 Secured for a St. Anthony Main property management company for past-due association fees from a non-resident owner.
Your Compliant Minneapolis Partner
We navigate Minnesota’s complex laws so you don’t have to. We are fully licensed by the Minnesota Department of Commerce (Minn. Stat. § 332.37), a legal requirement for any partner you choose.
Crucially, we are experts in the Minnesota Debt Fairness Act (MDFA). This law has specific, strict rules for healthcare providers, including a ban on reporting medical debt to credit bureaus. This protects your patients and your practice. We also ensure all actions respect the six-year statute of limitations for most consumer debt, protecting you from legal risk.
Frequently Asked Questions
How do we start? It’s simple. Contact us, and we’ll review your accounts and recommend the best starting step. You can securely place accounts through our online portal.
What makes you different? Our focus on reputation protection, compliance, and cost-effectiveness. We blend low-cost fixed-fee options with a professional, full-service contingency service. We are a modern, tech-enabled partner.
Do you handle medical accounts? Yes. Our team is fully trained and HIPAA compliant, and we are experts in the Minnesota Debt Fairness Act (MDFA).
Why not just use a flat-fee service? Our fixed-fee (Step 2) is a powerful, low-cost first move. But for stubborn accounts, you need the persistent, professional follow-up of our contingency team (Step 3). 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.