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.

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

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.)

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

  • Lincoln
  • Omaha

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

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