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Call Us: 877-659-5986

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Collection Agency Quote Today!

National Collection Agency

Empire Credit & Collections is a Nationwide, Full-Service Debt Collection Agency

For over 40 years, we have been helping individuals and businesses collect bad debt nationwide. The results from our tried-and-true approach speaks for itself! Our debt collection agency serves clients all across the United States and internationally with our seasoned, multilingual collectors. We have ditched the auto-dialers and collection scripts with a team of highly experienced personnel who will be there for you every step of the way. If we don’t recover the money that’s owed to you, you don’t owe anything…it’s as simple as that.

Protect Your Receivables During Uncertain Economic Times

Businesses globally face uncertainty and volatility in today’s economic landscape. We understand the increased importance of cash flow and reduced receivables during this unpredictable time and are here to help. Protect your business now by contacting our expert debt collectors for a quick quote.

No Recovery, No Fee. Get a Free Collection QuoteToday!

Yes, I would like to speed up the process of collecting my unpaid invoices by connecting with an Empire Credit and Collections specialist by SMS

By clicking “submit”, I consent to join the list and receive SMS from ECC Holdings, Inc, with access to our latest offers and services. Message and data rates may apply. Message frequency varies. More details on this are in our Privacy Policy  and Terms and Conditions . Text “HELP” for help or contact us at +1(631)-251-7500. Text “STOP” to cancel.

Coast-to-Coast Debt Collections

Our debt recovery rate is considerably higher relative to other U.S. debtors based on industry standards established by the Commercial Law League of America. Through our proven process, we have accomplished to boost recovery rates on domestic and international overdue accounts. Unlike the average local agency, Empire utilizes an extensive network of more than 400 affiliate attorneys and agencies to acquire what’s owed to you faster, with a higher collection rate. We are ready to work with you on multiple accounts across a wide range of services: Tackling these debts alone may be daunting, but our steadfast methods will remove many of the complications from this process.

Experts in Worldwide Collections

With a variety of businesses from sole proprietorships, to larger corporations, and everything in-between, we understand how difficult it can be to negotiate accordingly. On top of these complexities, you may also be collecting from a company that is overseas, which can delay the process even further due to a lack of effective communication. At Empire Credit and Collections, we have made it a priority to remove as many barriers as possible. We have multilingual collectors specializing in international collections and local offices in Europe and Asia. Our worldwide expertise will speed up the process to getting you your money faster.

No Recovery No Fee

Empire Credit & Collections has a No Collection, No Fee Service. If you don’t get paid, you will not owe anything. This process consists of 2 Phases!

Phase One

The first phase is built around Empire’s professional collectors leveraging state of-the-art debt recovery technology, including:

AI-Powered Analytics

Machine learning algorithms analyze debtor behavior, allowing Empire to prioritize accounts with the highest likelihood of recovery and customize outreach strategies.

Omnichannel Communication

Empire’s outreach includes personalized SMS, email, and automated voice messaging, ensuring debtors are engaged through their preferred communication channels.

Advanced Skip Tracing

Empire utilizes comprehensive databases and cutting-edge skip tracing tools to locate hard-to-reach debtors, ensuring no lead goes unexplored.

During this phase, Empire’s collectors use a balanced approach— combining the human element of negotiation and empathy with data-driven tactics to maximize recovery rates. Daily contact attempts are made during the first 60 days, with messages tailored to encourage voluntary repayment while preserving your business relationships.

With Empire’s fully-transparent compliance strategy you are delivered an unparalleled debt collection experience.

Phase Two

 

Litigation Assessment (If Necessary)

If all attempts to resolve the matter continue to fail, Empire will provide a detailed explanation of the issues surrounding the case and present recommendations for the next and final step. The recommendation will be one of two following options:

  1. Case Closure:

    Machine learning algorithms analyze debtor behavior, allowing Empire to prioritize accounts with the highest likelihood of recovery and customize outreach strategies.

  2. If litigation is an option, you will have a decision to make:

Decline Legal Action

Should you choose not to proceed, Empire will close the case with no fees owed to our firm or affiliated attorney.

Proceed with Legal Action

If you opt to pursue litigation, you will be responsible for upfront legal costs such as court costs, filing fees, and process serving fees. These fees typically start at $1,000 and can increase depending on the debtor’s jurisdiction. Upon receipt of these funds, Empire’s affiliated attorney will immediately file a lawsuit on your behalf to recover all monies owed, including the costs associated with initiating the legal action.

Once litigation is underway, Empire Credit & Collections will exhaust every legal method permitted by law to maximize the chances of a successful recovery. Legal remedies may include obtaining a judgment and pursuing enforcement actions such as wage garnishments, bank levies, and property liens. Throughout the litigation process, our team works closely with the assigned attorney to ensure prompt action, strategic filings, and timely updates to you. 

Empire is committed to aggressive yet ethical enforcement, ensuring all legal avenues are pursued while remaining compliant with all applicable federal and state regulations. If litigation efforts do not result in recovery, the case will be closed with no financial obligation to you from our firm or affiliated attorney. Get a free instant quote for debt collection services today!

If we do collect, rates start at 33%, but can be as low as 20% depending on a variety of factors. Fill out the form today to find out if you qualify for better rates

With our straightforward three-phase approach, we will guarantee you get paid or you owe us nothing:

Phase I

  • The first of four demand letters is sent to the debtor via U.S. mail.
  • The debtor will be contacted by one of our staff collectors to come to a resolution. In attempts to reach the debtor, our staff will call the debtor daily for the first 14 to 21 days.
  • If no settlement is made during this time, we move to Phase II, where the case is immediately escalated to our network of attorneys within the debtor’s locality.

Phase II

  • The first of several letters are drafted to the debtor demanding payment of the debt owed to you.
  • In addition to the letters, our attorneys on your case will call the debtor in order to get in touch with him / her.
  • If we move along with no success, you’ll receive a letter covering all the issues surrounding the case and our recommendations for the last phase.

Phase III

  • We’ll present one of two recommendations:
    • If recovery of your debt is highly unlikely, we’ll propose you close your case. You will owe nothing to our firm or affiliated attorneys for an outcome like this.
    • You may decide whether or not you’d like to move forward with litigation. If you do not want to take legal action, your case will be closed and you will not have to pay us anything. If you agree to litigation, legal costs (filing fees, court costs, etc.), ranging from $700.00 to $1,200.00 are required to be paid upfront. Our attorneys will file a lawsuit on your behalf for all monies owed, including but not limited to, the cost to file this suit. You will pay nothing to our firm or our affiliated attorneys if we fail to collect through litigation.

Unlike many of our competitors, there are no hidden costs or additional fees of any kind.

Ready to Collect Your Money? Here’s How to Start…

For a higher probability of recouping the money owed to you without any additional delays, it’s pertinent to provide us with as many details about the debtor as possible:

  1. Contact Information
    • Names (including nicknames, maiden names, etc.)
    • Addresses
    • Telephone Numbers (home, cell, work)
    • Email Addresses
  2. Names of his / her spouses, friends, relatives, and neighbors
  3. The debtor’s response from any efforts you made to collect
  4. Specifics of the original agreement with the debtor
  5. Paperwork relevant to original agreement (permits, applications, contracts, etc.)

No Recovery, No Fee. Get a Free Collection QuoteToday!

Yes, I would like to speed up the process of collecting my unpaid invoices by connecting with an Empire Credit and Collections specialist by SMS

By clicking “submit”, I consent to join the list and receive SMS from ECC Holdings, Inc, with access to our latest offers and services. Message and data rates may apply. Message frequency varies. More details on this are in our Privacy Policy  and Terms and Conditions . Text “HELP” for help or contact us at +1(631)-251-7500. Text “STOP” to cancel.

Empire continues to help American businesses of all sizes collect debt nationwide and globally. Our service areas include, but are not limited to:

Alabama

  • Birmingham
  • Mobile
  • Montgomery

Alaska

  • Anchorage
  • Juneau

Arizona

Arkansas

  • Fort Smith
  • Little Rock

California

Colorado

Delaware

  • Dover
  • Wilmington

Florida

Georgia

Hawaii

Idaho

  • Boise
  • Meridian

Illinois

Indiana

Iowa

  • Cedar Rapids
  • Des Moines

Kansas

  • Topeka
  • Wichita

Kentucky

Louisiana

  • Baton Rouge
  • Lake Charles
  • New Orleans
  • Shreveport

Maine

  • Augusta
  • Portland

Maryland

  • Annapolis
  • Baltimore

Massachusetts

Michigan

Mississippi

  • Biloxi
  • Hattiesburg
  • Jackson

Missouri

Montana

  • Billings
  • Bozeman
  • Helena

Nebraska

New Hampshire

New Jersey

  • Newark
  • Trenton

New Mexico

  • Albuquerque
  • Santa Fe

New York

North Carolina

North Dakota

  • Bismarck
  • Fargo

Ohio

Oklahoma

Oregon

Pennsylvania

Rhode Island

  • Providence

South Carolina

  • Charleston
  • Columbia

South Dakota

  • Pierre
  • Sioux Falls

Tennessee

Texas

Utah

  • Provo
  • Salt Lake City

Vermont

  • Burlington
  • Montpelier

Virginia

  • Richmond
  • Virginia Beach

Washington

West Virginia

  • Charleston

Wisconsin

  • Green Bay
  • Kenosha
  • Madison
  • Milwaukee

Wyoming

  • Casper
  • Cheyenne
Get A Quick Quote For Collection Services

The first phase is built around Empire’s professional collectors leveraging state of-the-art debt recovery technology, including:

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Yes, I would like to speed up the process of collecting my unpaid invoices by connecting with an Empire Credit and Collection's specialist by SMS
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By clicking “Yes”, I consent to join the list and receive SMS from ECC Holdings, Inc, with access to our latest offers and services. Message and data rates may apply. Message frequency varies. More details on this are in our Privacy Policy  and Terms and Conditions . Text "HELP" for help or contact us at +1(631)-251-7500. Text "STOP" to cancel.