Find a US debt collection agency with a public track record you can check.

Rankings are never for sale

Which are you?

What does AI say about your company?

Type your company name. We ask ChatGPT, Grok, Claude and Perplexity the questions your creditors and customers ask, and show you what each one says.

Find a register-checked agency

Every agency is checked against its state's own public register, and every fact carries its source, with its date where a check has run.

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Which debt collection agencies have the longest verified record?

Ranked on positive, verified measures only. Every fact carries its source, and a company's own claims are marked as its own.

Debt Collection Index groups US debt collection agencies by track record on the public register, state by state: the years each has been continuously covered on that state's own public register. The instrument differs by state (a surety bond in Texas, a license in New York City); the standard does not. Only agencies with current coverage appear, grouped into bands and listed alphabetically within each, so no agency is ranked above another. Every agency fact links to where it comes from, with the date it was last checked where a check has run.

What brings you here?

Two of the most common reasons people check a collector. Pick whichever fits.

A collector has contacted meWhat they are allowed to do, how to check the debt is really yours, and what to do next. I need to hire a collectorCompare agencies by their track record on the state register and their complaint history before you choose one.

Run a collection agency? See how we rank agencies, and how to get listed.

Sourced from CFPB dataState regulator recordsDated where checkedVerified against the registerRankings never for sale

Verification is built on each state's own government records, and every register is named with its source and date below. A verified record is one compliance fact, not proof of quality or of compliance elsewhere. Always do your own due diligence.

Coverage by state

Each state is checked against the public register that covers it (in New York, New York City's). Band boundaries are identical everywhere, so a band means the same thing in every state.

86 register-checked agencies

State registers re-read every week · latest read: October 30, 2026

All agencies

How this ranking works

Agencies are grouped into bands by how many years they have been continuously covered on their own state's public register.

25+years

15-24years

5-14years

Under 5years

Within a band, agencies are listed alphabetically: no agency is ranked above another. A long unbroken record is a verifiable public record of staying in business under that state's legal requirement; it is not a quality rating. Rankings are never for sale. The full rules.

Run a collection agency?

Your entry already shows what the public record says, free, whether you claim it or not. Claiming it lets you add the detail only you hold: what you take, how you work, and where. It never changes where you rank.

Claim your page

We are not a collection agency and we do not take commissions on placements. Rankings are built from public records, checked against those records at the source, and never sold.

Common questions

How does Debt Collection Index rank debt collection agencies?

Debt Collection Index groups agencies by track record on the state register, state by state: the years each has been continuously covered on that state's own public register (a surety bond in Texas, a license in New York City), shown in bands (25+ years, then 15-24, 5-14, and under 5). Only agencies with current coverage appear, and within each band they are listed alphabetically, so no agency is ranked above another. Every published fact carries its source; facts that can change show the date they were last checked, where a check has run.

Can a debt collection agency pay to rank higher?

No. Rankings on Debt Collection Index are never for sale. The one thing an agency can pay for is a claimed page, $99 a month after the first three months free: it adds details only the agency holds, labeled as supplied by the agency, checks its memberships, and carries the Verified page badge. What an agency adds is left out of the ranking, so paying never changes where it sits in the bands.

Does Texas require debt collection agencies to be licensed?

Texas does not issue a collection license as such. Every third-party debt collector must instead file a $10,000 surety bond with the Texas Secretary of State before collecting consumer debts, under Texas Finance Code Chapter 392, Section 392.101. Bonds filed since August 2025 are on the Secretary of State’s TPDC Public Search Portal, the state’s live bond register; the Secretary of State’s older debt collector search, which held filings up to August 2025, was retired on September 29, 2026. The portal does not return every older filing, so if it shows nothing, ask the collector for its Secretary of State file number and search that number.

Why are agencies grouped by state rather than in one national list?

Because the registers are different instruments from different regulators. A Texas surety bond is a $10,000 guarantee from a surety company that a person harmed by a violation can claim against; a New York City license is permission to operate, with no money held. Each is a continuity-of-good-standing signal, so the band boundaries are identical in every state, but the records are never merged into one number that no register asserts. A company covered in more than one state is shown as exactly that: one span per register, each in that register’s own words.

Full detail in the methodology and editorial standards.