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Find a trusted, fully-licensed US debt collection agency.

Independent, data-driven agency profiles built from public records: licensing and bond status, certifications and complaint outcomes, every fact sourced and dated.

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109
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22
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20
Bonded agencies ranked
100%
Public-record sourced

Which debt collection agencies perform best?

Ranked on positive, verified measures only. Nothing unverified is ever published.

$10,000

The surety bond every third-party debt collector must file with the Texas Secretary of State before collecting, under Texas Finance Code Chapter 392, Section 392.101.

Source: statutes.capitol.texas.gov · Last checked: 28 June 2026

Debt Collection Index ranks US debt collection agencies on positive, verified measures. Only agencies with an active surety bond on file with the state regulator are listed; they are then ordered by recognised certifications and years bonded, with a complaint-handling score from public CFPB data in final validation. Every fact below links to its public source with the date it was last checked.

Only agencies with an active Texas surety bond are listed. Order: verified certifications, then years bonded. A complaint-handling score built from CFPB records is in final validation and will lead this ranking once published. Full rules in the methodology.

#AgencyComplaint handlingCredentialsComplaintsSource
1Greenberg Grant & Richards
Houston
Score in development
Bonded · TXCLLA
29ggrinc.com · 5 July 2026
2Credit Systems International
Fort Worth
Score in development
Bonded · TX
1042creditsystemsintl.com · 5 July 2026
3AmSher Collection Services
Birmingham
Score in development
Bonded · TX
1736amsher.com · 5 July 2026
4Aargon Agency
Las Vegas
Score in development
Bonded · TX
1084aargon.com · 5 July 2026
5Sarma
San Antonio
Score in development
Bonded · TX
26sarma.com · 5 July 2026
6Central Portfolio Control
Minnetonka
Score in development
Bonded · TX
1808cpcrecovery.com · 5 July 2026
7IC System
St Paul
Score in development
Bonded · TX
9216icsystem.com · 5 July 2026
8ProCollect
Dallas
Score in development
Bonded · TX
2331procollect.com · 5 July 2026
9Southwest Recovery Services
Addison
Score in development
Bonded · TX
334swrecovery.com · 5 July 2026
10National Recovery Agency
Harrisburg
Score in development
Bonded · TX
1762nationalrecovery.com · 5 July 2026
11Synerprise Consulting Services
Plano
Score in development
Bonded · TX
311choosescs.com · 5 July 2026
12McKenzie Paul & Associates
San Antonio
Score in development
Bonded · TX
12mckenziepaul.com · 5 July 2026
13Phoenix Recovery Group
San Antonio
Score in development
Bonded · TX
204phoenixrecoverygroup.com · 5 July 2026
14Lockhart, Morris & Montgomery
Richardson
Score in development
Bonded · TX
1351lmminc.com · 5 July 2026
15Transworld SystemsScore in development
Bonded · TX
7566tsico.com · 5 July 2026
16Waypoint Resource Group
Round Rock
Score in development
Bonded · TX
808waypoint.com · 5 July 2026
17Sunrise Credit Services
Farmingdale
Score in development
Bonded · TX
3319sunrisecreditservices.com · 5 July 2026
18Foster & Morris
Dallas
Score in development
Bonded · TX
solosuit.com · 28 June 2026
19Eastern Account System
Brookfield
Score in development
Bonded · TX
1691easternaccounts.com · 5 July 2026
20Williams Rush & Associates
Dallas
Score in development
Bonded · TX
303williamsrush-associates.com · 5 July 2026
Bonded · TX Active surety bond on file with the Texas Secretary of StateCLLA Recognised industry certification"Score in development": the complaint-handling score is being finalised and validated; no agency is scored until it is published on the methodology page.

Data last checked: 5 July 2026

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We are not a collection agency and we do not take commissions on placements. Rankings are built from public records, verified by a person, and never sold.

Sourced from CFPB dataState regulator recordsEvery fact datedHuman-verified before publishRankings never for sale

Common questions

How does Debt Collection Index rank debt collection agencies?

Debt Collection Index ranks agencies only on positive, verified measures: an active surety bond on file with the state regulator, recognised industry certifications, and years bonded. A complaint-handling score built from public CFPB records is in final validation. Every published fact links to its public source and shows the date it was last checked.

Can a debt collection agency pay to rank higher?

No. Rankings on Debt Collection Index are never for sale. Agencies can pay for clearly-labelled featured placement or for qualified buyer leads, but paid placement is always marked as such and can never change where an agency sits in the merit rankings.

Does Texas require debt collection agencies to be licensed?

Texas does not issue a collection licence as such. Every third-party debt collector must instead file a $10,000 surety bond with the Texas Secretary of State before collecting, under Texas Finance Code Chapter 392, Section 392.101. Bonded collectors appear on the Secretary of State public Debt Collector Search.

Full detail in the methodology and editorial standards.

Texas bond rule source: statutes.capitol.texas.gov · Last checked: 28 June 2026