Financial services debt collection agencies in Texas
Data last checked: July 22, 2026
Sources: agency websites and the TX SoS Debt Collector Search.
What is financial services debt collection?
Financial services debt is what most people picture when they think of collections: charged-off credit cards, personal and installment loans, auto deficiency balances, overdrawn deposit accounts, credit union obligations and, increasingly, fintech and buy-now-pay-later accounts. When a borrower stops paying, the bank, card issuer, credit union or lender typically works the account internally first, then either places it with a third-party collection agency, usually on contingency, or sells it to a debt buyer.
That last distinction is the one this directory is built on: every agency listed here collects on the creditor's behalf and never owns the debt. Debt buyers are deliberately not listed, and how we verify the difference from primary sources is on the methodology page.
The rules that govern financial services debt collection in Texas
Consumer financial debt is the most heavily ruled corner of collections, and Texas adds its own layer. Suit on a debt must be brought within four years (Civil Practice and Remedies Code Section 16.004, quoted on our Texas debt law page), and since 2019 a debt buyer cannot sue on a time-barred consumer debt at all, with no revival by payment or acknowledgment (Finance Code Section 392.307, same page). Wages cannot be garnished for consumer debt in Texas, a protection in the state constitution itself, covered on our garnishment page. Fees can only be collected if the original agreement or the law authorizes them (Finance Code Section 392.303 and the federal FDCPA, both quoted in the fees guide), and federal Regulation F governs contact conduct, covered in how collection agencies work.
What to ask an agency before placing financial services debt
- Whether the agency works bank, card and fintech paper specifically, and in which states it is licensed or bonded beyond Texas.
- How it documents accounts placed for collection: what it needs from you to survive a validation request or a dispute.
- Whether it litigates, who approves a suit on your accounts, and who bears court costs (the four-year limit makes timing policy worth hearing).
- How cardholder and account data are protected in transit and at rest, and who may access them.
Financial services collection specialists(2 agencies)
Agencies whose own websites present financial services collections as their identity.
| Agency | Verified bond history | Their published claim | TX bond |
|---|---|---|---|
| United Collection Bureau | 25+ years continuously bonded 31.0 yrs | "United Collection Bureau, Inc. (UCB) assists in the accounts receivable process for healthcare facilities, financial services businesses and government entities." (source, July 10, 2026) | Active |
| TriVerity | 5-14 years continuously bonded 14.0 yrs | "Since 1990, we have established ourselves as industry leaders in collections for all loan types, partnering with financial institutions nationwide." (source, July 14, 2026) | Active |
Grouped by Verified Track Record band, alphabetical within each band. No ordinal ranking. Every published claim links to the page on the agency's own website where it appears, with the date we read it.
Also serve financial services collections, among other industries(57 agencies)
Agencies whose websites list financial services collections within a broader industry menu. Serving an industry is not the same claim as specializing in it.
| Agency | Verified bond history | Their published claim | TX bond |
|---|---|---|---|
| American Accounts & Advisers | 25+ years continuously bonded 28.0 yrs | "We offer state-of-the-art collection programs and services to help today's top healthcare providers, as well as leading financial institutions and commercial businesses." (source, July 16, 2026) | Active |
| American Coradius International | 25+ years continuously bonded 29.0 yrs | "credit card issuers, banks, and installment loan providers" (source, July 10, 2026) | Active |
| AmSher Collection Services | 25+ years continuously bonded 25.0 yrs | "Telecommunication, Cable, Utility, Healthcare, Property Management, Commercial and Financial Service markets." (source, July 10, 2026) | Active |
| Automated Collection Services | 25+ years continuously bonded 29.0 yrs | "higher education, healthcare, government, and financial markets on a national basis" (source, July 13, 2026) | Active |
| CBE Group | 25+ years continuously bonded 29.0 yrs | Lists financial services collections among the industries it serves (source, July 10, 2026) | Active |
| Diversified Adjustment Service | 25+ years continuously bonded 32.0 yrs | Lists financial services collections among the industries it serves (source, July 10, 2026) | Active |
| Financial Asset Management Systems | 25+ years continuously bonded 29.0 yrs | "5 Core industries: Healthcare, Education, Financial Services, Telecom & Media, Government" (source, July 22, 2026) | Active |
| Financial Recovery Services | 25+ years continuously bonded 30.0 yrs | "BankCard, Retail, Installment Loan, Service Contracts and Utilities" (source, July 12, 2026) | Active |
| Harris & Harris | 25+ years continuously bonded 30.0 yrs | "Banking and Finance" (source, July 10, 2026) | Active |
| Nationwide Credit Corporation | 25+ years continuously bonded 29.0 yrs | "collections services in the government, utility, health care, legal, and credit union sectors" (source, July 14, 2026) | Active |
| Optio Solutions | 25+ years continuously bonded 30.0 yrs | Lists financial services collections among the industries it serves (source, July 10, 2026) | Active |
| R A Rogers | 25+ years continuously bonded 29.0 yrs | "Endorsed by the MD & DC Credit Union Association and proudly serve over 400 credit unions nationwide" (source, July 13, 2026) | Active |
| States Recovery Systems | 25+ years continuously bonded 29.0 yrs | "clients including those in banking, higher education, medical, government, and retail sectors" (source, July 15, 2026) | Active |
| Vengroff Williams | 25+ years continuously bonded 27.0 yrs | "VWi Specialization Includes: Insurance & Financial Services / Media, Advertising & Entertainment / Consumer Products & Distribution / Manufacturing & Wholesale / Healthcare / Technology / Telecom / Logistics & Transportation / Construction and Equipement" (source, July 16, 2026) | Active |
| Aargon Agency | 15-24 years continuously bonded 23.0 yrs | "Utilities - Medical - Telecom - Real Estate - Hospitality - Retail - Banking - Finance" (source, July 10, 2026) | Active |
| Apelles | 15-24 years continuously bonded 19.0 yrs | "Financial institutions, retail service organizations, government entities, medical care providers, and business service providers" (source, July 13, 2026) | Active |
| ATG Credit | 15-24 years continuously bonded 18.0 yrs | "The client base is comprised of credit card and private label issuers, installment, secured and unsecured lenders and auto financiers." (source, July 13, 2026) | Active |
| Bilateral Credit Corp | 15-24 years continuously bonded 18.0 yrs | "medical, retail, credit card, and other debts" (source, July 22, 2026) | Active |
| Caine & Weiner | 15-24 years continuously bonded 22.0 yrs | "Advertising, Automotive, Banking, Chemical, Consumer, Credit Union, Distributor, E-Commerce, Education, Electronics, Financial, Fintech, Food & Beverage, GSA, Insurance, Medical, Manufacturing, Municipality, Office Products, Printing, Publishing, Retail, SaaS, Service Industry, Sporting Goods, Telecommunications, Transportation, Wholesale" (source, July 10, 2026) | Active |
| Constar Financial Services | 15-24 years continuously bonded 20.0 yrs | "Industry sections: Automotive; Communications and media; Financial services; Retail and ecommerce; Travel and hospitality" (source, July 19, 2026) | Active |
| Credit Bureau Services of Iowa | 15-24 years continuously bonded 24.0 yrs | "Hospitals and Medical Clinics, Dental Practices, Chiropractors, Veterinary Practices, Financial Institutions, Banks, Credit Unions, Government, Commercial Enterprises, Education, Attorneys" (source, July 22, 2026) | Active |
| Evergreen Professional Recoveries | 15-24 years continuously bonded 22.0 yrs | "Government - Court / Government - Non-Court / Medical / Financial Institutions / Retail / Education" (source, July 19, 2026) | Active |
| Financial Assistance | 15-24 years continuously bonded 22.0 yrs | "Financial Institutions, Universities, Commercial Contracts, Property Management, And many others" (source, July 13, 2026) | Active |
| First Federal Credit Control | 15-24 years continuously bonded 15.0 yrs | Lists financial services collections among the industries it serves (source, July 10, 2026) | Active |
| FMA Alliance | 15-24 years continuously bonded 24.0 yrs | "Financial Services, Healthcare Services, Student Loan Collections, Government Collections" (source, July 12, 2026) | Active |
| IC System | 15-24 years continuously bonded 21.0 yrs | Lists financial services collections among the industries it serves (source, July 10, 2026) | Active |
| LCS Financial Services | 15-24 years continuously bonded 20.0 yrs | "Specializing in the recovery of mortgage, auto, and student loans" (source, July 19, 2026) | Active |
| Lockhart, Morris & Montgomery | 15-24 years continuously bonded 16.0 yrs | Lists financial services collections among the industries it serves (source, July 10, 2026) | Active |
| National Account Systems of Omaha | 15-24 years continuously bonded 15.0 yrs | "we specialize in financial services collections for banks, credit unions, and lenders across Omaha and throughout Nebraska." (source, July 16, 2026) | Active |
| National Enterprise Systems | 15-24 years continuously bonded 23.0 yrs | "financial services, retail, automotive, and telecommunications industries as well as higher education clients and government agencies" (source, July 10, 2026) | Active |
| Professional Credit Management | 15-24 years continuously bonded 17.0 yrs | "Professional Credit Management, Inc. assists health care providers, banks, utilities, retail stores, veterinarians, and other product and service providers with recovery of outstanding accounts receivable." (source, July 13, 2026) | Active |
| Reliant Capital Solutions | 15-24 years continuously bonded 16.0 yrs | "Focusing on higher education, government services, healthcare, financial services and other contact center needs, including commercial collections" (source, July 12, 2026) | Active |
| Revenue Group | 15-24 years continuously bonded 15.0 yrs | "a wide variety of industry partners including but not limited to; hospitals and healthcare, financial services, housing and utilities, government, and telecommunications." (source, July 22, 2026) | Active |
| Rozlin Financial Group | 15-24 years continuously bonded 17.0 yrs | "financial, subscriptions, healthcare, education, leases, property management, rental, professional services and more" (source, July 12, 2026) | Active |
| Sarma | 15-24 years continuously bonded 22.0 yrs | "financial institutions, health care organizations, municipalities, real estate, retail, telecommunications and utilities" (source, July 10, 2026) | Active |
| Trident Asset Management | 15-24 years continuously bonded 16.0 yrs | "all types of debt - secured and unsecured, closed end or revolving, consumer and real estate from all types of issuers, including credit card, automobile, telecommunications, utilities, education, healthcare, commercial and other esoteric or niche asset classes" (source, July 12, 2026) | Active |
| Ability Recovery Services | 5-14 years continuously bonded 13.0 yrs | Lists financial services collections among the industries it serves (source, July 10, 2026) | Active |
| AR Resources | 5-14 years continuously bonded 10.0 yrs | "businesses, including banks, home security businesses, and waste management" (source, July 10, 2026) | Active |
| Atlantic Recovery Solutions | 5-14 years continuously bonded 12.0 yrs | "Credit card and personal loan defaults" (source, July 10, 2026) | Active |
| Benuck & Rainey | 5-14 years continuously bonded 12.0 yrs | "Commercial, Construction Services, Financial, Insurance, Leasing Companies, Manufactures, Medical, Telecommunications" (source, July 19, 2026) | Active |
| Collection Professionals | 5-14 years continuously bonded 12.0 yrs | Lists financial services collections among the industries it serves (source, July 14, 2026) | Active |
| D&A Services | 5-14 years continuously bonded 11.0 yrs | "Consumer Credit Card, Student Loan, Auto Deficiency, Small Business, Debt Settlement, Commercial, Mortgage, Post Judgment" (source, July 13, 2026) | Active |
| D2 Management | 5-14 years continuously bonded 9.0 yrs | "collection solutions to the credit/retail card, healthcare, auto finance, and debt buying industries" (source, July 20, 2026) | Active |
| InvestiNet | 5-14 years continuously bonded 11.0 yrs | "Financial Services, Utilities, Fintech, Consumer Finance" (source, July 19, 2026) | Active |
| January Technologies | 5-14 years continuously bonded 8.0 yrs | "Trusted by OCC-regulated banks, top fintech companies, card issuers, and debt buyers." (source, July 10, 2026) | Active |
| Keynote Consulting | 5-14 years continuously bonded 5.0 yrs | "Keynote specializes in all sectors of medical and consumer debt. We happily work with medical billing companies as well as directly with doctor's offices. We also work with credit unions, financing companies, and property management companies." (source, July 16, 2026) | Active |
| Merchants Credit Corporation | 5-14 years continuously bonded 12.0 yrs | "Healthcare Organizations, Municipalities, Financial Institutions, Property Management, Commercial / Retail" (source, July 19, 2026) | Active |
| Midwest Fidelity Services | 5-14 years continuously bonded 13.0 yrs | "experience in many niche industries such as: medical and dental, finance, education, home owner associations, auto, banking, small business" (source, July 13, 2026) | Active |
| Pacific Credit Exchange | 5-14 years continuously bonded 9.0 yrs | "assignee for collection purposes for a car loan" (source, July 20, 2026) | Active |
| Radius Global Solutions | 5-14 years continuously bonded 9.0 yrs | "financial services and healthcare to telecommunications and government sectors" (source, July 10, 2026) | Active |
| Recovery Management Solutions | 5-14 years continuously bonded 10.0 yrs | "Whether you have an unpaid debt that is a line of credit, medical debt, credit card, student loan, civil judgment, auto deficiency, bail bond premium, no matter what the situation, we will work with you." (source, July 16, 2026) | Active |
| Steel River Systems | 5-14 years continuously bonded 9.0 yrs | "most types of debts, including but not limited to Credit Cards, Lines of Credit, Loans, Fintech, Retail, Auto Deficiency, etc." (source, July 13, 2026) | Active |
| Transworld Systems | 5-14 years continuously bonded 8.0 yrs | "Financial services, healthcare providers and payors, government, telecom, property management, utilities, and more" (source, July 10, 2026) | Active |
| TrueAccord | 5-14 years continuously bonded 12.0 yrs | "major banks, issuers, eCommerce companies and direct lenders" (source, July 10, 2026) | Active |
| Bounce AI | Under 5 years continuously bonded 3.0 yrs | "We work with lenders nationwide to give their customers a simple way to resolve what they owe" (source, July 12, 2026) | Active |
| Global Solution Biz | Under 5 years continuously bonded 3.0 yrs | Lists financial services collections among the industries it serves (source, July 20, 2026) | Active |
| Southern Financial Systems | Under 5 years continuously bonded 4.0 yrs | "SFS collects medical bills, retail/contract accounts, past due fines, property management accounts, dishonored checks, Credit card, Bank, and subjugation accounts." (source, July 22, 2026) | Active |
How this ranking works
Agencies are grouped into bands by how many years they have been continuously bonded on the Texas Secretary of State's public register: 25 or more years, then 15-24, 5-14, and under 5. Within a band, agencies are listed alphabetically, so no agency is ranked above another and there are no ordinal positions. Only agencies whose bond is active on the register appear in a band. A long bond history is a verifiable public record of staying in business under the state's one legal requirement; it is not a quality rating. Rankings are never for sale: paid options are clearly labeled and can never change where an agency sits. The full rules are on the methodology page.
Common questions about financial services debt collection in Texas
Which agencies specialize in financial services debt collection in Texas?
2 of the 214 verified agencies in this directory declare financial services collections as their specialty on their own websites: United Collection Bureau, TriVerity. Each declaration is quoted above with a link to the page it appears on and the date we read it. All hold an active surety bond on the Texas Secretary of State register.
How do I verify a financial services debt collection agency's Texas bond?
Search the agency's legal name on the Texas Secretary of State's public Debt Collector Search. Every third-party debt collector must file a $10,000 surety bond before collecting in Texas, under Texas Finance Code Chapter 392, Section 392.101, and collecting without one can be a criminal offense. Our step-by-step verification guide covers name variants and what the register shows.
Why are some agencies listed separately below the specialists?
The first table lists agencies whose own websites present financial services collections as their specialty. The second lists agencies that name it within a broader menu of industries they serve. Serving an industry is not the same claim as specializing in it, so the two claims are shown separately. In both tables we quote the agency's published claim and link to where it appears; this directory verifies the Texas bond, not the claim.
Does this page rank agencies by quality?
No. Agencies are grouped by how many years they have been continuously bonded on the Texas register and listed alphabetically within each band, so no agency is ranked above another. A specialty is the agency's own published claim, not this site's assessment of quality. The full rules are on the methodology page, and rankings are never for sale.
Can an agency still collect a credit card debt older than four years in Texas?
Collection contact can continue, but the courthouse door closes: suit on a debt must be brought within four years under Texas Civil Practice and Remedies Code Section 16.004, and for debt buyers specifically, Finance Code Section 392.307 prohibits suing or arbitrating a time-barred consumer debt outright, with no revival by payment or acknowledgment. Both statutes are quoted in full on our Texas debt law page. For a creditor placing accounts, this is why account age drives both agency pricing and strategy.
Do the agencies on this page buy the debt they collect?
No. This directory lists third-party collection agencies only: firms that collect on the creditor’s behalf for a fee or contingency and never own the debt. Companies that purchase debt are deliberately excluded, and each listed agency’s company type is verified against primary sources (its own statements, court records, SEC filings where they exist) before publication, as described on the methodology page.