Many countries require a license or registration for third-party collection, and rules for consumer debts are often stricter. Before a partner joins Debitura, we check its license and registration.
Coverage · North America
Debt collection agency services in North America
Find your debtor's country below. We match each claim to a licensed local collection agency or law firm in the debtor's country, under one agreement, and you pay only when money is recovered.
Countries we cover in North America
Choose your debtor's country
Pick your debtor's country below to see the local process. Key markets include a debt collection agency in the United States, a Canadian collection agency and Mexican debt recovery. The Caribbean and Central America, from a collection agency in the Dominican Republic to debt collection in Panama, work under the same agreement.
22 countries in North America · Every country we cover
BahamasBarbadosBelizeBermudaBritish Virgin IslandsCanadaCosta RicaDominicaDominican RepublicEl SalvadorGrenadaGuatemalaHaitiHondurasJamaicaMexicoNicaraguaPanamaPuerto RicoTrinidad and TobagoUS Virgin IslandsUnited States
No country matches. Try another spelling, or see the full country list.
United States
Debt collection by US state
Licensing for collection is set state by state. Pick your debtor's state to see how collection works there.
Collecting from a business? See commercial collection in the US.
AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming
How it works
Debt collection in North America, without an agency in every country
One agreement covers every country in North America we serve. A local partner does the work under local law; you follow every step on one platform.
- Submit your claim
Upload an unpaid invoice in two minutes, by hand, by CSV or from your accounting software. You see the fee before you confirm.
- A local partner takes over
We match it to a licensed agency or law firm in the debtor's country, who contacts the debtor under local law and practice.
- You get paid
You get paid what is recovered, minus the success fee. Court action only starts if you accept a quote.
What it costs in North America
From 7.5% of the amount recovered, on the International fee schedule, including the United States. No upfront cost. Fees for claims in North America.
One agreement
Signed once, the same terms in every country. Read the standard terms.
Law and practice
What changes from country to country
Debt collection in North America follows each country's own law, language and courts. That is why we match each case to a vetted local partner in the debtor's country.
Letters, calls and deadlines follow local law and practice. Sample demand letters
Court procedures, costs and timelines differ by country. Legal action only starts if you accept your partner's quote. Country-by-country collection laws
| United States | Licensing is set state by state, and consumer debts follow federal rules on how collectors may contact debtors. Debt collection in the United States |
|---|---|
| Canada | Collection agencies are licensed and regulated by each province. |
| Mexico | Commercial claims follow Mexican commercial law, with outreach in Spanish. |
The process
How debt collection works in North America
Debt collection in North America runs in the same phases in every country we cover. What changes is the local law, the language and the court procedure, and your local partner handles those.
Your partner checks the debtor's details, then contacts the debtor by letter, email and phone in the local language, using the channels local law allows. Most cases are resolved in this phase, often with a payment plan or settlement under the approval rules in your agreement.
If the debtor still doesn't pay, your partner can send you a quote for court action or enforcement in the debtor's country. It is priced separately and only starts if you accept it.
When money is recovered, the partner deducts the success fee and pays you the rest. If nothing is recovered, you pay nothing for the amicable phase.
FAQ
Debt collection in North America
Which countries in North America do you cover?
Every country listed on this page. Each has its own page with the local process and how collection works there.
What does debt collection in North America cost?
From 7.5% of the amount recovered, on the International fee schedule, including the United States. You pay only when money is recovered, and you see the exact fee before you submit.
Do you collect from consumers?
We collect from businesses across borders. Consumer claims we take on as larger portfolios, agreed with the local partners first: contact us.
Do I need a contract in each country?
No. You sign one agreement, once, and it covers every country we serve. You also sign a short power of attorney the first time you work with a new partner.
What if the debtor disputes the claim?
Disputed claims and legal action are outside the standard terms. Your partner sends a quote on the platform, and nothing starts until you accept it.
Other regions
Collecting somewhere else?
Collect in North America with one agreement
Create a free account and submit your claim. You see the fee and the partner before anything starts.