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What Is a Debt Collection Agency?

Updated: Aug 25, 2023


Debt collection for dummies what is a debt collection agency



What Is a Debt Collection Agency?

In essence, a debt collection agency is a mediator hired by businesses to recover past due payments.


Rather than chasing down clients directly, companies find it more practical and cheaper to hire debt collectors to collect unpaid debts. In addition, collection agencies are more likely to recover the bad debt than the original creditor due to their tools, resources, tactics, and training.

Debt collection assignment.

Upon assigning the debt to a collection agency, the agency is given the authority to collect on behalf of the original creditor.

When are accounts sent to collections?

There is no specific time when a debt may be assigned to a collection agency. Nevertheless, most businesses will consider hiring a collection agency after an account has been past due for 60 days.





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Disclaimer: Any and all information is not intended to be, nor is it, legal advice. Please consult your attorney for information concerning allowable rates of interest.

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