Miami, FL
Commercial Collection Agency & Collection Attorney in Miami
For creditors, not debtors: if a Miami business or customer is behind on your invoices, we match you with vetted commercial collection agencies and creditor-side Florida collection attorneys that handle Miami-area accounts. Free for creditors, no obligation.
Who's owed money in Miami
Miami creditors include international trade and freight forwarders, banking and finance, real estate and construction, hospitality and tourism, and healthcare. Debtors are often abroad, especially in Latin America.
Which rules apply to Miami accounts
Florida law applies, including the Florida Consumer Collection Practices Act for consumer debts and OFR registration for consumer collection agencies, with a separate framework for commercial collection agencies. Florida's homestead exemption can limit enforcement against individuals.
| Florida general rule | Summary |
|---|---|
| Statute of limitations — written contracts | about 5 years |
| Statute of limitations — open accounts | about 4 years |
| State collection-agency license | Generally required (at least for consumer debt) |
Details and caveats are on our Florida collections page. Rules usually depend on where the debtor is located, so a Miami creditor collecting from someone in another state may face that state's rules instead.
Where Miami collection cases are filed
Cases are generally filed in Miami-Dade County Court for smaller amounts or the Circuit Court of the Eleventh Judicial Circuit for larger claims. Agencies don't file suits themselves. If litigation is needed, the account goes to a collection attorney admitted in Florida.
How placement works for Miami accounts
- Tell us about the accounts: whether the debtors are businesses or consumers, the balances, how old they are and where the debtors are located.
- We match you: with agencies that collect in Florida and, if needed, Florida collection attorneys. B2B balances go to commercial specialists, and consumer or medical balances only to partners that represent they comply with the FDCPA, Regulation F and Florida law.
- You compare terms and decide: contingency rates, reporting and legal-forwarding terms, directly with the partner.
Before placing, try a final notice letter or a demand letter, and gather your documentation (see what to prepare).
Agency or attorney?
Most Miami past-due accounts start with an agency: letters, calls, skip tracing and negotiated payment plans, usually on contingency. Larger, disputed or time-sensitive claims, and judgments that need enforcing, go to a collection attorney. See judgment collection if you've already won in court.
Not legal advice. This page is general information, not legal advice, and laws, court rules and dollar limits change. CollectionPlacement is a referral service, not a law firm or collection agency, and we don't list or endorse specific local agencies here. Confirm details with a licensed attorney in the relevant state.
Frequently asked questions
Can a Miami creditor collect from a debtor in Latin America?
Often, through agencies with international networks or local counsel abroad, although timelines and costs differ from domestic collection.
How do I find a commercial collection agency for a Miami debtor?
Tell us about the unpaid invoices: debtor type, balance, age and documentation. We introduce you to commercial (B2B) collection agencies that collect from Miami-area businesses and, if litigation is needed, to creditor-side collection attorneys admitted in Florida.
How much does a collection agency charge in Miami?
Most agencies work on contingency, keeping a percentage of what they recover. The rate depends on the age, size and type of the debt and on volume, not on the city. Get the rate schedule in writing.
Do I need a Miami agency, or can a national agency collect there?
Either can work. What matters is that the agency is licensed or registered where Florida requires it, handles your debt type and can forward the account to a Florida attorney if needed.
Can CollectionPlacement help if I'm the one being collected from in Miami?
No. We only work with creditors. Consumers should look at CFPB debt-collection resources or a local bar referral service.
Free, no obligation
Get matched with a collection partner
Tell us about your receivables. We'll review and introduce you to vetted agencies or collection attorneys suited to your debt type, size and state.