Collection Agencies in Virginia Beach, VA

Ready to accelerate your cash flow? Contact Us for a no-obligation consultation.

A Better Recovery Partner for Virginia Beach Businesses

We understand the unique economy of Virginia Beach. From the seasonal cycles of the tourism industry to the steady needs of healthcare providers and military contractors, consistent cash flow is essential. We provide a cost-effective, compliant, and reputation-safe solution to recover what you’re owed, all while protecting the valuable client and patient relationships you’ve built.

Our high Google review ratings are a testament to our professional, effective approach.

About Virginia Beach

Virginia Beach is far more than a world-famous vacation spot. As the heart of the Hampton Roads economy, it’s driven by the vital presence of the U.S. Military (including NAS Oceana and JB Little Creek-Fort Story), major healthcare systems like Sentara, and a thriving ecosystem of tourism, real estate, and professional services. We proudly serve businesses from the Oceanfront to Town Center, helping them manage receivables and focus on growth.

Why Switch? A More Profitable, Less Risky Approach

The old contingency-only model is broken. Why pay a 40% fee on an account that’s only 60 days late and just needs a professional, third-party letter?

We offer a smarter, more profitable way.

• Stop Overpaying: Our $15 fixed-fee (Step 2) service is a powerful, low-cost tool. You get 100% of the money recovered, saving you thousands in unnecessary commissions.
• The Smart-Money Strategy: Most of our new clients start with Step 2 to recover early-stage accounts for a flat fee. Any remaining, tougher balances are then seamlessly rolled into our Step 3 contingency service. It’s the most effective one-two punch in the industry.
• Reputation Protection: We are professionals, not antagonists. Our HIPAA-compliant (for medical/dental) approach protects your brand’s reputation in the community.
• Nationwide Reach: While we offer local expertise in Hampton Roads, we are licensed to collect in all 50 states and Puerto Rico, providing one simple, compliant partner for your entire portfolio.

Our Flexible, Cost-Effective Services

We design a strategy that fits your accounts. You can start at any step (1-3) based on the age and amount of the debt.

• 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. Sometimes digital contacts are mixed if permitted by law.

  Typical Fee: $15 per account.

• Step 3 — Full Third-Party Collections (Contingency)

  Persistent, polite phone + digital contact; payment plans and settlements are used when helpful.

  Typical Fee: 40% of amounts recovered. No recovery, No Fee.

• Step 4 — Legal Collections (Contingency, client-approved)

  Attorney escalation only after in-depth review; nominal filing fees are initiated and reimbursed upon recovery.

  Typical Fee: 50% of amounts recovered. No recovery, No Fee.

Steps 1–2: payments go directly to you; no extra fees. You may also be able to claim this fixed-fee cost as a business expense.

All services include Free Bankruptcy screening, Free Litigious Debtor checks (to minimize lawsuits), Free latest address checks, and Free Credit Reporting (if you want and if the law permits).

Industries We Serve in Hampton Roads

We work with small and large businesses across the metro area, including:

• Medical & Dental (Fully HIPAA Compliant)
• Property Management and HOAs
• Tourism, Hospitality, and Retail
• Professional Services (Attorneys, CPAs)
• Utilities, Schools, and Municipalities
• Auto Dealers and Repair
• Gyms, Senior Living, Parking, and more.

How We Work

1. Securely Place Accounts: Use our simple online portal to place single or multiple accounts 24/7.
2. Choose Your Strategy: We’ll help you decide between fixed-fee (Steps 1-2) or contingency (Step 3) for the best ROI.
3. We Engage: Our team begins professional, compliant outreach.
4. You Get Paid: For fixed-fee services, payments come directly to you. For contingency, we remit your share promptly.

(This is practical guidance, not legal advice. We tailor our approach to your specific facts and the latest rules.)

Real Results for Businesses Like Yours

• A large dental group near Sentara Virginia Beach General recovered $25,000 in 90 days using our $15 fixed-fee (Step 2) program for past-due patient co-pays.
• A property manager with buildings along the Boardwalk and near Town Center cut their move-out delinquencies by 48% after switching to our Step 3 contingency service.
• A B2B supplier in the Oceana commercial park recovered $20,000 in aged invoices.

A Key Virginia Law for Creditors: The 5-Year Deadline

For you, our client, the most important law to understand is the Statute of Limitations.

• What it is: The legal time limit you have to file a lawsuit to recover a debt.
• In Virginia: The limit is 5 years for written contracts (Code of Virginia § 8.01-246(2))—like a signed lease, service agreement, or promissory note.
• For oral contracts, the limit is only 3 years (§ 8.01-246(4)).
• Why it matters: This clock typically starts from the date of the last payment or first default. Once it expires, your legal right to sue is gone. Newer accounts have dramatically better recovery rates. Waiting is the most expensive mistake you can make.

Frequently Asked Questions

• How do you protect our brand and Google reviews?

  This is our specialty. Our team is trained in professional, empathetic communication. We are HIPAA-compliant and work to find solutions, not to create conflicts. Our high Google ratings from both clients and consumers prove this.

• What’s the catch with the $15 fixed-fee?

  There is no catch. It’s a low-cost, high-value tool for newer accounts (typically under 120 days). A formal third-party letter is often all that is needed to get paid. We believe you shouldn’t have to pay a 40% fee on money that was simple to recover.

• How do we get started?

  It’s easy. Use the contact link below. We can have your account set up and begin working on your behalf in as little as 24 hours.

Focus on Your Business. Let Us Handle the Receivables.

Stop wasting time and resources on past-due accounts. Let us show you a better, safer, and more profitable way.

Contact Us today for a no-obligation consultation.