US collectors and attorneys recover your B2B invoices across all fifty states — from attorney demand to lawsuit, judgment, and enforcement. First results typically within 20 days. You pay only when money moves.
We represent your creditor in the above-referenced matter. Despite repeated demand, the balance remains due and owing. Payment in full, together with interest and costs as provided by contract and applicable law, is required within ten (10) days of the date of this letter.
Absent payment or an acceptable written proposal within that period, we are authorized to proceed without further notice: to report the delinquency to the relevant commercial credit bureaus, and to commence litigation in the appropriate state or federal court — where judgment, once entered, may be enforced by bank levy, garnishment, and lien against the company's assets.
Counsel is instructed and in possession of the file. Govern yourself accordingly.
This is what your US debtor receives — on attorney letterhead, under US law. A ten-day demand announcing credit reporting and litigation reads very differently in Chicago than a payment reminder from another continent. Hover the black bars — that is where your debtor's name goes.
US debt recovery runs on a fixed escalation ladder, and every American controller has seen it before. Tap a stage — see what the debtor receives, what it does to them, and what comes next.
"Unless payment of $ ███,███ is received within ten (10) days, we are authorized to commence litigation without further notice. Govern yourself accordingly…"
"Controller reached. Settlement proposed: ██ % now, balance in 14 days. Commercial credit reporting flagged for day 10."
"Plaintiff demands judgment against defendant in the amount of $ ███,███, together with interest, costs, and such further relief as the Court deems just…"
"Judgment is entered in favor of plaintiff and against defendant in the sum of $ ███,███, with interest thereon until satisfied…"
"Writ of execution issued. Levy served on ██████ Bank. Debtor examination scheduled — officers to appear and disclose assets under oath…"
Cosmodca runs this ladder for international creditors every day — a debt collection agency for the USA that demands, files, and enforces stateside while you follow the case in one dashboard. Debtor elsewhere? See the international debt collection agency desk, the UK desk, or the global coverage hub.
Creditors in the UK, Europe, the Gulf, Asia, and Latin America place US cases with one desk — collectors and attorneys covering all fifty states, one dashboard in your time zone.
The latest verified figures on American B2B payment behavior and business failures — and why the aging report is the enemy:
Sources: Atradius Payment Practices Barometer, North America 2025 · US Courts, Bankruptcy Filings, Feb 2026 · Allianz Trade, Global Insolvency Outlook 2026 · US Census Bureau, Trade in Goods with the UK
Debt collection in the USA is the recovery of overdue invoices from American businesses on behalf of the creditor — attorney demands, negotiation, commercial credit pressure, and escalation from demand letter through lawsuit and judgment to bank levy and garnishment. For an international creditor, a debt collection agency for the USA runs the entire ladder stateside while you keep one contact.
Your case reaches a US collector the same day. The debtor's registration, standing, and trade credit file are pulled before first contact.
Live entity, officers, UCC filings, litigation history, and bankruptcy dockets checked — the things that decide strategy before a dollar is spent.
Calls at controller and CFO level plus an attorney demand on a ten-day clock. Most documented cases settle here.
Commercial credit reporting — the derogatory trade line that follows the debtor into every supplier and lender decision.
Filed in state court — or federal court under diversity jurisdiction for foreign creditors. Silence becomes a default judgment.
Bank levy, garnishment, judgment liens — then funds transferred with a full report. No recovery, no fee.
Three models cover nearly every US commercial case. The percentage depends on claim age, size, documentation, and the debtor's state. Court and attorney costs for any filing are quoted and approved by you in advance — and where your contract includes an attorney-fee clause, those costs shift to the debtor.
A flat-fee US demand sequence under your name — final demand and attorney letter on a ten-day clock. Escalates only if the debtor stays silent.
A success fee on the amount actually recovered. Nothing upfront. Nothing on failure. The economics only work when you get paid.
Lawsuits, judgments, and enforcement through our US attorney network. For urgency, the fast debt collection service; for contested claims, attorney-based debt collection from day one.
An American company ignoring an overseas invoice has usually made a simple calculation: you're in another hemisphere, US litigation looks expensive and unfamiliar, and the debt will quietly age off your books. What changes the calculation is an attorney demand from a US firm, a derogatory trade line about to hit their credit file, and a complaint drafted for the right courthouse — with federal diversity jurisdiction open to you as a foreign creditor. Specialist B2B debt collection puts that machinery behind your receivable on a success-fee basis, with industry desks for manufacturing, logistics, technology, healthcare, and professional services.
US commercial debt collection follows a fixed escalation: demand letters and collector negotiation at controller level, an attorney demand on a ten-day clock, commercial credit reporting, and — for claims that stay unpaid — a lawsuit in state or federal court. A debtor who does not defend hands the creditor a default judgment, which is then enforced by bank levy, garnishment, and liens. Most documented B2B cases settle in the demand phase once escalation is visibly real.
The account escalates rather than expires: an attorney demand, a derogatory trade line on the company's commercial credit file, then a complaint filed in court. Silence in litigation is expensive — an unanswered lawsuit becomes a default judgment enforceable for ten to twenty years depending on the state, renewable, and portable across state lines to wherever the assets sit.
Yes — routinely, and without any US presence. A foreign creditor can place the claim with a US collection agency, and where litigation is needed, federal courts are open to foreign plaintiffs under diversity jurisdiction for claims over $75,000, with state courts available for the rest. You do not need to sue at home first; for most unpaid invoices, claiming directly in the US is the faster route.
No — the Fair Debt Collection Practices Act governs consumer debt collection only. Commercial B2B collection sits outside it, regulated instead by state licensing and bonding rules. For a creditor this cuts two ways: B2B collection can move faster and harder than consumer work, but “FDCPA-compliant” is not the vetting test — track record, transparent written fees, and live case reporting are.
It varies by state — commonly four to six years for written contracts, with some states shorter and some longer. A judgment obtained before the deadline is a different asset entirely: enforceable for ten to twenty years depending on the state, and renewable. As everywhere, the practical recovery window is far shorter than the legal one — measured in months, not statutes.
Often yes — most states recognize foreign-country money judgments under their recognition acts, subject to due-process conditions. But recognition is a case in itself, state by state, and for a typical unpaid invoice it is usually faster and cheaper to sue the debtor directly in a US court than to domesticate a foreign judgment. Our US attorneys assess both routes before anything is filed.
The longer read for creditors doing their homework: how US recovery actually runs for a foreign claimant, the court route in detail, what regulates commercial collection, what US law gives — and doesn't give — a creditor, and when placing a case is the wrong move. Open what matters.
A debt collection agency working the US for a foreign creditor does four things you cannot efficiently do from abroad. It verifies the debtor in the American system — corporate registration and standing, officers, UCC filings that reveal who else has claims on the assets, litigation history, and the bankruptcy dockets that change everything. It applies pressure inside the debtor's own world: collector calls at controller and CFO level, an attorney demand on real letterhead, and the credible prospect of a derogatory line on the commercial credit file that US suppliers and lenders price on daily. It escalates through counsel licensed in the debtor's state — the non-negotiable requirement of US litigation. And it enforces: bank levies, garnishment of the debtor's own receivables, judgment liens, and debtor examinations that put officers under oath about every account.
The alternative is finding, vetting, and paying a law firm in the right state at US hourly rates, from another continent. A debt collection agency for the USA runs the same ladder on a success-fee basis, in every state at once, and you deal with one contact and one dashboard.
The American court system is friendlier to foreign commercial creditors than its reputation suggests. For claims over $75,000 against a US company, diversity jurisdiction opens the federal courts — a uniform, predictable forum designed precisely for disputes between citizens of different states and countries. Below that threshold, state courts handle commercial claims routinely, and well-documented cases against silent debtors resolve by default judgment in months. Once entered, a judgment is a durable asset: enforceable for ten to twenty years depending on the state, renewable, accruing post-judgment interest, and — under the uniform enforcement framework adopted across the states — domesticable wherever the debtor's assets actually sit.
Where you already hold a judgment from your home courts, most US states will recognize foreign-country money judgments under their recognition acts, subject to due-process scrutiny. In practice, though, recognition is its own proceeding — and for a straightforward unpaid invoice, suing directly in the US is usually the cheaper and faster of the two routes. That comparison is made at assessment, before any filing.
The regulatory fact most overseas creditors get wrong: the FDCPA — the federal statute everyone associates with American debt collection — applies to consumer debts only. Commercial B2B collection sits outside it, governed instead by a patchwork of state licensing, bonding, and conduct rules. For your recovery this is mostly good news: B2B collection can escalate faster and negotiate harder than consumer work ever could.
But it flips the vetting question. “Is the agency FDCPA-compliant?” is the wrong test for a business claim. The right tests: state licensing where required, an actual attorney network rather than a letter mill (US debtors have seen every fake law-firm letterhead), written fee terms including the no-recovery scenario, and whether you can watch collector activity live. An agency that only sends letters, with no counsel able to file in the debtor's state, is bluffing — and American controllers call bluffs professionally.
Unlike the EU or UK, the US has no statutory late-payment interest regime for B2B invoices — what you can add to the claim comes from your contract and from state prejudgment-interest rules, which vary widely. And one rule shapes everything: the American Rule, under which each side bears its own attorney fees unless a statute or contract says otherwise. This is the leverage US debtors actually rely on — the bet that litigation costs you more than the invoice is worth.
The counter is contractual, and it is worth adopting today for every US customer: an attorney-fee clause and a stated late-payment interest rate in your terms convert the American Rule from the debtor's shield into your sword — suddenly delay accrues interest and their exposure includes your legal costs. On the contingency model the calculus favors you regardless: the success fee is borne only out of actual recovery, litigation costs are quoted and approved in advance, and the aging curve — roughly 94 percent recoverable at 30 days, under 30 percent past a year — remains the real deadline.
Candor is cheaper than a wasted mandate. If the debtor has filed for bankruptcy — Chapter 7 or Chapter 11 — the automatic stay freezes all collection instantly, and the file belongs with counsel filing your proof of claim in the proceeding, not with a collector; pressing on regardless violates federal law. If the debtor substantively disputes what you delivered, the case is litigation on the merits, not collection. And if the company is a judgment-proof shell — dissolved, assetless, its accounts swept — the honest advice may be asset investigation first, or a write-off, not a mandate fee.
Everything else — the silent Inc., the debtor “restructuring” while trading under a new LLC, the company betting an overseas creditor will never sue in America — is exactly what this desk exists for. The assessment costs nothing and tells you which category your case is in. Debtors elsewhere belong with the international debt collection agency desk, the UK desk, or the global coverage hub.
Free assessment · answer within one business day · no recovery, no fee
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