Commercial Debt Collection in All 50 States
C2C Resources recovers past due business accounts in all 50 states. Here is where we collect, where we are licensed, and how collecting across state lines works.
Where we are: C2C Resources is headquartered in Atlanta, Georgia, with a second office in Metairie, Louisiana. Those two offices work every account.
Key takeaways
- We collect commercial accounts in all 50 states, and have since 2002.
- We hold collection licenses in the states that require one, and we are CLLA certified, IACC endorsed and bonded at $500,000.
- Every account is worked from Atlanta and Metairie.
- Claims we see most: from $1,000 to hundreds of thousands of dollars, under 120 days past due.
Where C2C Resources collects
All 50 states
"Licensed" below means C2C holds a collection license in that state. Where a state requires one, we hold it. Where a state does not, that is why it matters to work with a certified agency: C2C Resources is certified by the Commercial Law League of America, endorsed by the International Association of Commercial Collectors and carries a $500,000 surety bond.
- Alabama
- Alaska
- Arizona licensed
- Arkansas licensed
- California
- Colorado
- Connecticut
- Delaware licensed
- District of Columbia
- Florida licensed
- Georgia
- Hawaii
- Idaho licensed
- Illinois licensed
- Indiana licensed
- Iowa
- Kansas
- Kentucky
- Louisiana licensed
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota licensed
- Mississippi
- Missouri
- Montana
- Nebraska licensed
- Nevada licensed
- New Hampshire
- New Jersey licensed
- New Mexico
- New York City of Buffalo license
- North Carolina licensed
- North Dakota licensed
- Ohio
- Oklahoma
- Oregon licensed
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee licensed
- Texas
- Utah
- Vermont
- Virginia
- Washington licensed
- West Virginia licensed
- Wisconsin
- Wyoming
How collecting across state lines actually works
Your debtor's state sets the rules that matter: how long you have to sue, what interest you can charge, which court hears the claim and what a judgment can reach. We work the account from Atlanta or Metairie and, if it needs legal action, forward it to a vetted commercial attorney licensed in that state.
Most creditors assume they have to hire someone local. You do not. Two things make cross-border commercial collection ordinary work:
- Collection itself is not location bound. Demands, negotiation and settlement happen by phone, mail and email. What matters is how you approach it. Learn more.
- Legal action is handled by a local attorney. When a file needs suit, our Legal Forwarding Edge network places it with a commercial attorney admitted in that state, with our interests still aligned with yours.
What changes state to state is the detail: the filing deadline on a goods sale versus a services contract, the service charge you can add to a past due invoice, the small claims ceiling, the garnishment rules, and the lien clock if you supplied a construction project.
Placing an out of state account
Nothing changes because your debtor is in another state. Send us the invoices, the purchase orders or contract if you have them, the payment history and any correspondence. We verify the balance, work the file under our own name, and tell you honestly when an account is not worth pursuing.
- Best placed: from $1,000 to hundreds of thousands of dollars, under 120 days past due. We take accounts of any size, and we would rather see them before they age. Most accounts reach us closer to 180 days, which is late enough to cost recovery.
- Volume: roughly 25,000 claims a year.
- Result: clients typically recover 20 to 30 percent more with us than with the agency they used before.
- Commercial only: we do not collect consumer or retail debt.
Start with third party B2B collection, or keep accounts from aging this far with First Party AR.
Frequently asked questions
Can you collect in my state?
Yes. We collect commercial accounts in all 50 states and have since 2002. Where a state requires a collection license, we hold one.
Does a collection agency need a license in every state?
No. Many states do not license collection agencies at all, several license only agencies with clients in the state, and the rest require one. Since not every state requires a license, it is important to choose a certified agency. C2C Resources is certified by the Commercial Law League of America.
My debtor is in a different state than my business. Is that a problem?
It is the normal case. The debtor's state sets the deadlines, the interest rules and the court. If the file needs suit, we forward it to a commercial attorney admitted in that state.
Do you collect internationally?
Yes, we collect internationally. Talk to us about your specific account. Click here to talk to us.
Wherever the debtor is, start here
Send us the account and a commercial collection specialist will tell you whether it is worth pursuing, and how we would work it.