B2B Debt Collectors
Last updated:Collecty helps businesses recover unpaid invoices from other businesses—domestically or internationally—through amicable negotiation first, then legal escalation if needed. We work on a success-based fee model: you pay when we collect.
This page is general information, not legal advice. Consult qualified counsel for your specific situation.
Which Service Do You Need?
Answer these questions to find the right approach for your situation.
Is your debtor in a different country than you?
Yes → International B2B Debt CollectorsDo you want to preserve the business relationship?
Yes → Amicable CollectorsHave you already tried negotiating without success?
Yes → Legal EscalationIs this a business-to-business debt (not consumer)?
Yes → Commercial Debt CollectorsOur Services
From diplomatic negotiation to legal enforcement—complete B2B debt collection.
International B2B Debt Collectors
Cross-border collection with local partners in 160+ countries.
- Local legal expertise in debtor's jurisdiction
- Multilingual outreach in debtor's language
- Multi-currency handling and reporting
Commercial Debt Collectors
B2B collection tailored to preserve your business relationships.
- Industry-specific approach and terminology
- Relationship preservation throughout process
- Dedicated case manager for your account
Amicable Collectors
Diplomatic negotiation to resolve invoices without legal action.
- Payment plan negotiation on your behalf
- Dispute mediation and resolution
- Deadline-driven outreach sequences
Legal Escalation
Attorney-led action when negotiation fails.
- Court proceedings in appropriate jurisdiction
- Asset tracing before action
- Judgment enforcement worldwide
Public Data Corner
Key regulatory facts from official sources. Always verify current rules for your specific situation.
The Fair Debt Collection Practices Act (FDCPA) applies to third-party collectors of consumer debts. B2B collections are generally not covered by the FDCPA.
Many U.S. states require collection agencies to obtain a license before operating (e.g., California DFPI, Texas OCCC, New York DFS).
Statute of limitations for written contracts varies by state (e.g., 4 years in California under CCP § 337, 6 years in New York under CPLR § 213).
International debt collection may involve local licensing requirements, currency controls, and jurisdiction-specific enforcement rules.
10 Facts About B2B Debt Collection
What you need to know before starting a collection case. Sourced facts cite official references; "Verify" items are due-diligence steps before escalation.
B2B debt collection is generally not covered by the FDCPA, which specifically targets consumer debt.
Source: FTCMost U.S. states require collection agencies to obtain a license before operating in that state.
Source: State licensing boardsMany jurisdictions require a written demand letter before filing a lawsuit for debt collection.
Source: State civil procedure codesSome states prohibit adding collection fees unless the original contract explicitly allows it.
Source: State statutesVerify the statute of limitations in the debtor's state before escalating to legal action.
⚠ VerifyVerify the debtor's legal entity name—the brand name often differs from the legal entity.
⚠ VerifyVerify you have written acceptance proof (signed PO, SOW, delivery confirmation) before any formal demand.
⚠ VerifyCross-border collections may require local counsel or a licensed partner in the debtor's country.
⚠ VerifyVerify internal authority gates (settlement limits, escalation thresholds) before escalating.
⚠ VerifyVerify the debtor's current address and registered agent before attempting service of process.
⚠ VerifyTop Locations We Cover
US States We Cover
European Collection Guides
Asia-Pacific Guides
Transparent, Success-Based Pricing
No hidden fees. No upfront costs for standard cases. You pay a percentage of what we recover—if we don't collect, you don't pay collection fees. Legal costs, if applicable, are quoted separately.