The US is the world's largest commercial debt collection market, with distinct rules for consumer vs. commercial claims and significant state-by-state variation.
The FDCPA (Fair Debt Collection Practices Act) regulates consumer debt collection with strict limitations on contact frequency, hours, and methods. B2B commercial debt collection is largely exempt from FDCPA, operating under the UCC (Uniform Commercial Code) and state commercial law.
Statute of limitations ranges from 3 years (most states) to 10 years. Some states require collection agency licensing; others don't. Court procedures, filing fees, and enforcement mechanisms vary by state.
New York, California, Texas, and Florida represent the largest commercial debt markets. Each has distinct procedural requirements and enforcement tools.
Judgment liens, bank levies, garnishment, and UCC lien filing. Some states allow prejudgment attachment for commercial claims. Federal courts handle diversity jurisdiction claims above USD 75,000.
US courts generally respect foreign judgments under state adoption of the Uniform Foreign-Country Money Judgments Recognition Act, making the US a viable enforcement jurisdiction for foreign creditors.
Our debt recovery agency with over 21 years of experience provides: Business to Business Collections Services, Legal Debt Collections and worldwide Skip Tracing services.
