You did the work, Tampa Bay. Now let’s get it paid.
From contractor invoices that outlasted storm season to patient balances your front desk shouldn’t have to chase — commercial and consumer accounts, judgments, and portfolios, recovered on contingency with compliance carrying the weight.
Every forecast says the same thing: act while the cone is narrow.
What are you placing?
Pick the lane and we’ll route it right — commercial and consumer accounts run under different rules, and treating them the same is how recoveries get lost.
Contractor receivables, vendor invoices, service contracts, trade credit — from one account that went quiet to a ledger full of them.
Commercial collections → Patients or customers owe my businessPatient responsibility balances, memberships, tuition, customer accounts — recovered compliance-first under the FDCPA and FCCPA.
Consumer collections → I’m holding a judgmentCourt said you win; the money hasn’t agreed yet. Send the paper for a free, honest read on what enforcement can actually reach.
Start with a free review → A whole aging reportBatch the drawer. We grade in tiers, quote by tier, work the viable, and tell you plainly which files are past saving.
Send the batch →Storm season builds. Tourist season serves. Somebody always forgets to pay.
Roofers carrying insurance-job receivables into December. Practices watching patient balances stack up. Hotels and their vendors passing slow payment down the chain. We know the local dialects of not-getting-paid.
One account or the whole report — graded honestly, quoted within one business day.
Four steps, no theater
Place the account
Debtor, balance, age, paperwork — two minutes through the form, or one phone call.
Get the honest read
Collectability grade against the cone, the correct compliance lane, and a contingency quote up front.
Pressure, professionally
Third-party demands that reach decision-makers, skip tracing when they’ve gone quiet, attorney-backed escalation when the math supports it.
Money moves
Recoveries remitted per agreement — and if nothing is recovered, nothing is owed.
Fast where it counts, careful where it matters
Tampa’s the lightning capital; we took the hint. Accounts get worked the week they land, because the cone only widens — every month of waiting is leverage you don’t get back.
FDCPA federally, FCCPA on top in Florida, state registration where required. Rule-bound collection isn’t the slow lane — it’s the pressure that holds up and never boomerangs onto your business.
Contingency only, tiers disclosed, dead files called dead for free. The quote comes before the commitment, and the fee only exists when your money shows up.
Asked constantly, answered straight
How much does a collection agency cost in Tampa?
Nothing up front, ever: we work on contingency, so the fee is a percentage of what’s actually recovered and is quoted before you commit. Rates depend on how old the accounts are, how large, and how many you place. If nothing comes back, you owe nothing.
Do you handle both business and consumer accounts?
Yes, in separate compliance lanes. B2B invoices and contractor receivables run as commercial accounts. Balances owed by individuals — patients, customers, members — are consumer debt governed by the FDCPA and Florida’s FCCPA, and Florida generally requires consumer collection agencies to register with the state. Ask any agency you interview which lane your accounts fall in; if they can’t answer crisply, keep looking.
What’s the deadline to collect a debt in Florida?
The legal outer limit is generally five years for written contracts and four for open accounts under Florida law — but treat those as the edge of the map, not the plan. Collectability erodes month by month as debtors move, dissolve, or take on new creditors, so accounts placed inside the first 90 days past due recover best.
My customer is a business that just ignores invoices. What changes when you get involved?
The audience changes. Your emails land with whoever has been stalling you; our demands land with ownership and accounting, carry third-party weight, and run on deadlines. Slow-payers usually resolve at that stage. True no-pays get escalation — skip tracing, negotiated settlements, and attorney-backed pressure when the balance justifies it.
Is a small or old balance worth placing?
Small balances work best batched — send the aging report and we’ll grade the whole thing in tiers. Old accounts get an honest read: some are still viable, and the ones that aren’t get told so for free rather than churned for a fee.
What should I have ready before placing an account?
Whatever documents the debt: the contract, invoices or statements, a ledger of payments, and any correspondence about the balance. Then the debtor’s details and the amount. Submit it through the free review form and you’ll have an honest collectability read and a quote within one business day.
Get the forecast on your receivables
Who owes you, how much, and how long it’s been. The honest read and the quote come back within one business day.
Place it while the forecast is still narrow.
Or read how your lane works first — we’ll meet you on either side.