Phoenix, AZ
Commercial Collection Agency & Collection Attorney in Phoenix
For creditors, not debtors: if a Phoenix business or customer is behind on your invoices, we match you with vetted commercial collection agencies and creditor-side Arizona collection attorneys that handle Phoenix-area accounts. Free for creditors, no obligation.
Who's owed money in Phoenix
Phoenix-area creditors include construction and real-estate businesses, semiconductor and manufacturing suppliers, healthcare, logistics and distribution, and a fast-growing small-business sector across Maricopa County.
Which rules apply to Phoenix accounts
Arizona law applies. Arizona generally requires collection agencies to be licensed by the state's Department of Insurance and Financial Institutions, subject to exemptions. See the Arizona page for limitation periods.
| Arizona general rule | Summary |
|---|---|
| Statute of limitations — written contracts | about 6 years |
| Statute of limitations — open accounts | about 3 years |
| State collection-agency license | Generally required (at least for consumer debt) |
Details and caveats are on our Arizona collections page. Rules usually depend on where the debtor is located, so a Phoenix creditor collecting from someone in another state may face that state's rules instead.
Where Phoenix collection cases are filed
Smaller claims go to Maricopa County justice courts (including small claims), and larger ones to the Superior Court in Maricopa County. Agencies don't file suits themselves. If litigation is needed, the account goes to a collection attorney admitted in Arizona.
How placement works for Phoenix 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 Arizona and, if needed, Arizona 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 Arizona 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 Phoenix 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
Does Arizona require a license for collection agencies?
Generally yes, through the Arizona Department of Insurance and Financial Institutions, with some exemptions. Ask your partner for proof of licensing.
How do I find a commercial collection agency for a Phoenix debtor?
Tell us about the unpaid invoices: debtor type, balance, age and documentation. We introduce you to commercial (B2B) collection agencies that collect from Phoenix-area businesses and, if litigation is needed, to creditor-side collection attorneys admitted in Arizona.
How much does a collection agency charge in Phoenix?
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 Phoenix agency, or can a national agency collect there?
Either can work. What matters is that the agency is licensed or registered where Arizona requires it, handles your debt type and can forward the account to a Arizona attorney if needed.
Can CollectionPlacement help if I'm the one being collected from in Phoenix?
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.