Debt recovery in United States

US commercial debt recovery varies by state — our nationwide network navigates UCC filings, state court procedures, and federal bankruptcy proceedings.

UNITED STATES. Tired of hearing the check is in the mail? Four weeks. Four promises. Zero stamps. A collector who calls at 9 a.m. in your debtor's time zone. Whichever one it is. Paid by wire. The mailbox is still empty.

Collecting commercial debts in the United States is both straightforward and bewildering, often within the same case. Straightforward because the US legal system offers powerful enforcement tools — prejudgment attachment, UCC liens, and a bankruptcy framework that compels disclosure. Bewildering because the US is not one jurisdiction but fifty-one (fifty states plus the District of Columbia), each with its own civil procedure rules, statute of limitations periods, licensing requirements for collection agencies, and judicial temperament.

A debt owed by a company in Texas is not collected the same way as a debt owed by a company in New York, and neither is collected the same way as a debt owed by a company in California. Texas has a four-year statute of limitations for written contracts. New York has six years. California has four years but applies a "discovery rule" that can extend it. These aren't academic distinctions — filing in the wrong jurisdiction or missing a limitations deadline means the debt becomes legally unenforceable, regardless of its commercial validity.