San Antonio, TX
Commercial Collection Agency & Collection Attorney in San Antonio
For creditors, not debtors: if a San Antonio business or customer is behind on your invoices, we match you with vetted commercial collection agencies and creditor-side Texas collection attorneys that handle San Antonio-area accounts. Free for creditors, no obligation.
Who's owed money in San Antonio
San Antonio creditors include healthcare and bioscience, military and defense contractors, tourism and hospitality, construction and cross-border trade suppliers.
Which rules apply to San Antonio accounts
Texas rules apply: chapter 392 bonding for third-party consumer collectors, generally no wage garnishment for ordinary consumer debt, and strong homestead and personal-property exemptions.
| Texas general rule | Summary |
|---|---|
| Statute of limitations — written contracts | about 4 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 Texas collections page. Rules usually depend on where the debtor is located, so a San Antonio creditor collecting from someone in another state may face that state's rules instead.
Where San Antonio collection cases are filed
Depending on the amount, claims are filed in Bexar County justice courts, county courts at law or district courts. Agencies don't file suits themselves. If litigation is needed, the account goes to a collection attorney admitted in Texas.
How placement works for San Antonio 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 Texas and, if needed, Texas 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 Texas 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 San Antonio 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 San Antonio creditor sue in justice court?
Texas justice courts hear small claims and debt claims up to a statutory limit. Larger claims go to county or district court.
How do I find a commercial collection agency for a San Antonio debtor?
Tell us about the unpaid invoices: debtor type, balance, age and documentation. We introduce you to commercial (B2B) collection agencies that collect from San Antonio-area businesses and, if litigation is needed, to creditor-side collection attorneys admitted in Texas.
How much does a collection agency charge in San Antonio?
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 San Antonio agency, or can a national agency collect there?
Either can work. What matters is that the agency is licensed or registered where Texas requires it, handles your debt type and can forward the account to a Texas attorney if needed.
Can CollectionPlacement help if I'm the one being collected from in San Antonio?
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.