Commercial Debt Collection in All 50 States
C2C Resources recovers past due business accounts nationwide, worked from our Atlanta and Metairie offices. Here is where we collect, where we are licensed, and how collecting across state lines actually works.
Where we are: C2C Resources is headquartered in Atlanta, Georgia, with a second office in Metairie, Louisiana. Those two offices work every account. We have no office, employees or property in any other state, and under Georgia law collecting a debt is not by itself transacting business in a state (O.C.G.A. 14-2-1501(b)(8)).
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. We do not open offices in other states, and we do not use mail drops to look local.
- A judgment from one state can usually be domesticated and enforced where your debtor actually is.
- Claims we see most: over $5,000 and under 120 days past due, though we take accounts of any size.
Where C2C Resources collects
Green is where we sit. Blue is a state with its own page, and more are going up each month. Grey is everywhere else we collect, which is the rest of the country.
All 50 states
"Licensed" below means C2C holds a collection license in that state. Most states do not require one for commercial, business to business collection; where a license is required, we hold it.
- Alabama
- Alaska
- Arizona licensed
- Arkansas licensed
- California
- Colorado
- Connecticut
- Delaware
- 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
- North Carolina licensed
- North Dakota licensed
- Ohio
- Oklahoma
- Oregon licensed
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee licensed
- Texas
- Utah licensed
- Vermont
- Virginia
- Washington licensed
- West Virginia
- 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. Three 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 knowing the deadlines and leverage in the debtor's state, not sitting in it.
- 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.
- Judgments travel. A judgment entered in one state can generally be domesticated in another and enforced there, which is how a creditor in one state reaches a debtor's bank account in a different one.
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. That is exactly what each state page covers.
State pages
We are publishing a page per state, starting with the states our clients place from most:
Florida, Tennessee, North Carolina and Alabama are next. Want a specific state sooner? Tell us and we will move it up the list.
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: over $5,000 and under 120 days past due. We accept all sizes.
- 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
Do you have offices in every state?
No, and we would not claim to. C2C Resources works every account from Atlanta, Georgia and Metairie, Louisiana. We do not rent addresses in other cities to appear local, which is a practice you will see elsewhere in this industry.
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. We keep track of which is which through the IACC, the CLLA, ACA International and a law firm that works only in this industry.
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.
Can a judgment from my state be enforced where my debtor is?
Usually yes. A judgment can generally be domesticated in the debtor's state and enforced there, including against bank accounts.
Do you collect internationally?
Talk to us about the specific account. Our work is commercial collection in the United States; international files are handled case by case.
Wherever the debtor is, start here
Send us the account and a commercial collection specialist will tell you what it is worth pursuing, and how we would work it.