Government and municipal debt collection agencies in Texas
Data last checked: July 22, 2026
Sources: agency websites and the TX SoS Debt Collector Search.
What is government debt collection?
Government receivables cover everything a public body is owed: court-ordered fines and fees, municipal balances like utility accounts, EMS and ambulance bills, permits and citations, and state-agency obligations of every kind. Texas law defines the category about as broadly as language allows: for state collections, an "obligation" includes "a debt, judgment, claim, account, fee, fine, tax, penalty, interest, loan, charge, or grant". Law firms are also major players in this space; this directory lists collection agencies only, so they are deliberately absent.
The rules that govern government debt collection in Texas
State-level collection has a defined structure. Government Code Chapter 2107 requires a state agency to refer an uncollected, delinquent obligation to the attorney general "on or before the 90th day after the date the obligation becomes past due or delinquent", and the attorney general may then provide legal services for collection or authorize the agency to contract with outside collectors, "subject to approval by the attorney general" and his guidelines. So an agency seeking state work operates inside attorney-general-approved channels, not ordinary placement.
The consumer-protection layer is scoped, and honestly so: Finance Code Chapter 392 is written around consumer debt, obligations "primarily for personal, family, or household purposes" (the definition is quoted on the Texas page), and which government receivables fall inside it is a legal question this page does not answer. Two things are certain either way: conduct rules apply wherever the receivable IS consumer debt (see the Texas debt law page), and government debts sit in the exception lane for garnishment, the CFPB notes federal and state agencies can sometimes garnish pay or accounts without a court order, covered on our garnishment page.
What to ask an agency before placing government debt
- For state work: whether the agency operates under attorney-general-approved arrangements and guidelines, since Chapter 2107 routes state obligations through that channel.
- How it handles complaint transparency and reporting: a public client carries public accountability, and its collector's conduct is the client's conduct in the press.
- Whether it can integrate with court and municipal record systems for payment plans, dismissals and adjustments on court-ordered debt.
- Its audit posture: public-sector contracts typically demand documentation and data-security standards commercial clients never ask for.
Government and municipal collection specialists(2 agencies)
Agencies whose own websites present government and municipal collections as their identity.
| Agency | Verified bond history | Their published claim | TX bond |
|---|---|---|---|
| Credit Systems International | 25+ years continuously bonded 32.0 yrs | "healthcare, utility and governmental industries" (source, July 10, 2026) | Active |
| 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 |
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 government and municipal collections, among other industries(40 agencies)
Agencies whose websites list government and municipal 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 |
|---|---|---|---|
| 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 | "Team up with a trusted leader of public sector collections to efficiently recover taxes, fines, fees, and other government receivables." (source, July 10, 2026) | Active |
| Collectech Diversified | 25+ years continuously bonded 32.0 yrs | "CDI specializes in Medical, Governmental, and large instutiional collections. We service some of the largest businesses in our region, and also several governmental agencies." (source, July 14, 2026) | Active |
| Collection Bureau of America | 25+ years continuously bonded 27.0 yrs | "Utility, Municipal, Medical, Commercial, Cable and Bottled Water" (source, July 10, 2026) | Active |
| Diversified Adjustment Service | 25+ years continuously bonded 32.0 yrs | Lists government and municipal 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 Credit Network | 25+ years continuously bonded 28.0 yrs | "MEDICAL: Hospitals, Clinics, Labs, Doctor's Offices, Billing Companies; UTILITIES: Gas, Electric, Water, Waste Management; GOVERNMENT: Judicial Council (Court Ordered Debt), City, County; LOCAL BUSINESS: Anything you can imagine!" (source, July 13, 2026) | Active |
| Harris & Harris | 25+ years continuously bonded 30.0 yrs | "Government and The Public Sector" (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 |
| Southwest Credit Systems | 25+ years continuously bonded 32.0 yrs | "We bring proven experience in the government, highway toll, telecommunications, cable, property management, education and utility industries." (source, July 10, 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 |
| Tri-State Adjustments | 25+ years continuously bonded 29.0 yrs | "retail establishments, industrial and commercial accounts, health care organizations, legal and professional associations, governmental agencies and agricultural groups" (source, July 19, 2026) | Active |
| AAA Collections | 15-24 years continuously bonded 16.0 yrs | Lists government and municipal collections among the industries it serves (source, July 16, 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 | "Some examples of this type of an account can be found in the utility, municipal government and insurance markets." (source, July 13, 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 |
| Continental Credit Control | 15-24 years continuously bonded 15.0 yrs | Lists government and municipal collections among the industries it serves (source, July 22, 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 |
| First Federal Credit Control | 15-24 years continuously bonded 15.0 yrs | Lists government and municipal 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 government and municipal collections among the industries it serves (source, July 10, 2026) | Active |
| Lockhart, Morris & Montgomery | 15-24 years continuously bonded 16.0 yrs | Lists government and municipal collections among the industries it serves (source, July 10, 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 |
| National Recovery Solutions | 15-24 years continuously bonded 19.0 yrs | "a focus on the collection of higher education and government debt" (source, July 15, 2026) | Active |
| Penn Credit | 15-24 years continuously bonded 20.0 yrs | "government, tolling, healthcare, education, utilities, telecommunications" (source, July 10, 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 | Lists government and municipal collections among the industries it serves (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 |
| Saturn Systems | 15-24 years continuously bonded 17.0 yrs | "commercial, consumer, government, and retail accounts across both domestic and international markets" (source, July 22, 2026) | Active |
| Southwest Recovery Services | 15-24 years continuously bonded 19.0 yrs | Lists government and municipal collections among the industries it serves (source, July 10, 2026) | Active |
| FirstCredit | 5-14 years continuously bonded 5.0 yrs | "US healthcare providers and government institutions" (source, July 19, 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 |
| 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 | Lists government and municipal collections among the industries it serves (source, July 16, 2026) | Active |
| RTR Financial Services | 5-14 years continuously bonded 11.0 yrs | Lists government and municipal collections among the industries it serves (source, July 15, 2026) | Active |
| Steel River Systems | 5-14 years continuously bonded 9.0 yrs | Lists government and municipal collections among the industries it serves (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 |
| Southern Financial Systems | Under 5 years continuously bonded 4.0 yrs | Lists government and municipal collections among the industries it serves (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 government debt collection in Texas
Which agencies specialize in government debt collection in Texas?
2 of the 214 verified agencies in this directory declare government and municipal collections as their specialty on their own websites: Credit Systems International, United Collection Bureau. 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 government 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 government and municipal 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.
How does debt collection work for Texas state agencies?
Through a defined statutory channel. Government Code Chapter 2107 requires a state agency to refer uncollected, delinquent obligations to the attorney general on or before the 90th day after delinquency, and the attorney general may collect through legal action or authorize the agency to contract with outside collectors, subject to the attorney general’s approval and guidelines. The statute defines "obligation" broadly: "a debt, judgment, claim, account, fee, fine, tax, penalty, interest, loan, charge, or grant". Municipal and county receivables follow each body’s own procurement instead.
Do consumer protections apply when the debt is owed to the government?
It depends on the debt, and honest answers stop there. Texas Finance Code Chapter 392 is written around consumer debt, defined as obligations "primarily for personal, family, or household purposes", so whether a particular fine, fee or government balance falls inside it is a legal question for a lawyer. What is documented either way: government debts are the main exception lane in garnishment law, since the CFPB notes federal and state agencies can sometimes garnish wages, benefits or accounts without a court order, unlike ordinary consumer creditors in Texas. Our garnishment page carries the details and sources.