Washington Collection Agencies, Washington Debt Collection

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Washington Collection Agencies

Washington collection agencies are a smart business solution when dealing with customers who owe you money won't pay.

Washington businesses face a number of collections problems. Unpaid bad debt creates negative cash flow for your business.

If your in house collections efforts are not consistent and effective, you lose not only money, but productivity as well, because you're having to dedicate labor time to "chasing after" these delinquent accounts.

To better recover on these past due accounts, many Washington businesses turn to Washington collection agencies.

How Can A Washington Collection Agency Help Me?

A Washington debt collection agency can help your business collect its bad debts by:

Mail
Typically, collection agencies make use of a number of letters sent to the debtor, called demand letters. These are often very effective in getting the debtor's attention, especially since they're coming from a neutral third party. They're written to remind them of their obligations, and get them to pay or make payment arrangements to satisfy the debt.

Phone
If, after a series of demand letters don't prove effective, a Washington collection agency will then make phone calls to the debtor.

Legal Options
Washington debt collection companies often can take legal action, up to and including filing suit, if both the demand letters or phone calls haven't been successful.

Areas Served in Washington

Washington collection agencies offer coverage statewide, including:

Seattle
Spokane
Tacoma
Vancouver
Bellevue
Everett
Federal Way
Kent
Yakima
Bellingham

Choosing A Washington Commercial Collection Agency

When choosing a Washington collection agency, here are a few areas to pay attention to:

Debt Collection Techniques

ask for sample demand letters that they will be sending to your clients. You want to make sure the language is both strong enough to get their attention, but doesn't alienate your customers. You also want to make sure they abide by the federal Fair Debt Collection Practices Act (FDCPA), and other state collections laws.
The FDCPA forbids abusive, threatening and obscene language when dealing with debtors, and that they be treated with respect.
Ask how is debtor information forwarded to the collection agency.
When and how is collected monies sent to your business.
How can your business monitor the collections activity.

Company History and Reputation
Ask for references of other similar businesses they've worked with; ask how long they've been in business. Many agencies come and go, so make sure you're dealing with a Washington collection agency that has stability.

When you're ready to hire a Washington debt collection agency, let DebtCollectionSteps.com help you. Fill out the quote form below, and we can refer you to an agency that serves your area.

Collection Agency Quote Request

Please note that all fields followed by an asterisk must be filled in.

Company*
Company*

Your name, and position*
Your name, and position*

E-mail Address*
E-mail Address*

Web Site URL

Street Address*
Street Address*

City*
City*

State/Prov*
State/Prov*

Business Phone*
Business Phone*

Best time to contact

What services are you interested in?*
What services are you interested in?*

	Bank/Credit Union Collections
	Commercial Collections
	Consumer Collections
	Medical Collections
	NSF Check Collections
	Debt Portfolio Scoring Analysis

Total dollar amount of accounts?*
Total dollar amount of accounts?*

How often do you need these services?

Additional or Standalone Services

	Credit Reporting Services to 3 Bureaus
	Consumer/Commercial Credit Check Services
	Debt Portfolio Scoring Analysis
	Skip Tracing Services
	Electronic Check Deposit (eliminate bank trips to deposit checks)
	Check Guarantee Services (never get burned with another NSF check)
	e-Merchant Terminal (accept credit/debit cards online, and remotely with any cell phone)
	Lower your Visa/MC/Debit Card processing fees.....Guaranteed!

Additional notes

Please enter the word that you see below.

Washington Collection Agencies Summary of Laws

Washington Collection Laws Interest Rate

Legal: 12%
Judgment: 12%

Washington Collection Laws Statute Of Limitations (Years)

Open account: 3
Written Contract: 6
Domestic Judgment: 10
Foreign Judgment: 10
Washington Collection Laws Bad Check Laws (NSF) (Civil Penalty)

Lesser of check amount or 12% interest, collection costs up to $40. If taken to court, reasonable attorney's fees, 3 x value, or up to $300. Now have 6 years to enforce a bad check

Washington Collection Laws General Garnishment Exemptions

Greater of 75% or $64 wk. (40 x state minimum hourly wage)

Washington Collection Laws Collection Agency Bond & Licensing Rules

Bond: $6000 general, $4000 specialty
License: Yes
Fee:
$100 - Investigation
$100 - Original
$100 - Renewable
$50 - Branch Office
Exemption for out-of-state collectors: Contact state authorities. Out-of-state agencies may qualify for lesser licensing fees. Out-of-state collectors are no longer required to have resident office and instate trust accounts if they don't have instate client. Bond is not required if held in home state.

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