1. Costs – No Win No Fee!

Having long standing relationships with all our overseas partners we have agreements to provide these services on a NO WIN NO FEE basis charging the agreed commission rate against monies recovered only.

2. Coverage in USA

We cover all 50 states in USA and have local partners in every state ranging from California to New York. Debt collection procedures in USA differ from state to state and we have agreements with all partners to operate on a No Win No Fee basis.
We also cover all US overseas territories including Puerto Rico, Guam, American Samoa, US Virgin Islands and Northern Mariana Islands.

3. Local Experience

Unlike many of our competitors all cases are handled by the local office or partner in each US state. We understand the local cultures and know all the state laws / legal processes. English is the official language but Spanish and other languages are widely spoken in certain states. These are reasons why Creditreform are the ideal people to help you in collecting debts from overseas.

4. Statute of Limitation in USA

Each state has its own statute of limitations and they vary depending on the type of debt you have. Usually, it is between three and six years, but it can be as high as 10 or 15 years in some states. Note there are many special exemptions so whatever the age please contact us and we will advise if we can assist with your claim

How to Instruct Us

We simply require the following details:

  • Full name & address of the debtor
  • All available contact details of the debtor i.e. contact name(s) / Tel / Mobile / Email(s)
  • Amount owed (Invoice(s) or Statement will help)


Or ask us to call you – just leave us your details:


    USA Debt collection

    USA International Debt collection procedures differ from state to state. Creditreform has fully approved USA debt collection agencies in every State. We have agreements with all International debt collection agency partners to operate their USA debt collection services on a No Win No Fee basis. With 50 independent States it has taken Creditreform many years to build and select fully approved partners to meet our strict requirements and ensure that our USA debt collection company services meet our group’s 245,000 clients’ needs.

    Despite the various time zone differences with the UK and Europe the USA debt collection companies will always keep us up to date with regular progress reports how their debt recovery cases are progressing and we receive immediate communications when required ensuring all open debt collection USA cases are kept up to date at all times.

    Many of Creditreform’ s competitors endeavour to recover USA debt cases in house to avoid working with all the different time zones. Their argument is that this will be more effective and cost effective than dealing with local partners. Our experience is totally the opposite as we need the expertise of the local partners and the success rates are greatly increased by debtors being contacted by local USA debt collection agencies operating in the same time zone. Trying to recover debts directly from a different country reduces the chances of a successful recovery and can result in increase costs.

    As there are substantial differences in every state how the USA debt collection processes are handled it is important that here in the UK we understand these and relay all USA State unique requirements and legalities to our clients so they are fully aware of the requirements to effect a successful and cost effective USA debt recovery.

    The legal system in the USA is also different from State to State and no costs or expenses will be incurred without clients’ prior instructions. If in the event legal action is the only way forward clients will be fully advised of the costs, procedures and expected times to proceed. Customer service has always been a main priority for Creditreform and this has to be adhered to by our debt collection agency partners and local offices worldwide. The USA and its States are no exception so they have to meet our high levels of customer service and expectations.

    We also carry out pre instruction checks on all debtors before cases are undertaken to ensure we are chasing the correct debtor and they have the ability to meet the claim. The USA is a huge country and it is very important that we have as much information regarding the debtor as possible to ensure a successful USA debt recovery service. Our aim is for clients to have the best chance of a successful collection and the recovery of their money without wasting days, weeks and months either chasing an uncollectable debt or even chasing the wrong debtor.

    Creditreform spends a considerable amount of time monitoring our global partners and the USA debt collection companies are no different. This means our clients receive the best possible debt collection services wherever the debt is in the world.

    USA Business Credit Reports

    Creditreform provides over 88 million international business credit reports throughout Europe and 200 million international business credit reports worldwide. We provide freshly investigated USA Credit Reports which can be done prior to trading to make sure the company you will be dealing with can meet the commitment or once the debt becomes overdue to ensure the debtor can meet the amount owed.

    USA Tracing Agents

    Creditreform’s debt collection company service also uses expert local USA tracing agent services to locate any absconded debtor. This debtor tracing service is provided on a No Find No Fee basis only charging for a successful trace.

    USA Debt Collection Partners in all 50 USA States

    USA Debt Collection Partners in the following USA Cities


    “We are pleased with the friendly and efficient service of Adrian Harding and staff at Creditreform in collecting outstanding overdue debts on our behalf. Some accounts, especially those located overseas have been difficult customers but we are pleased with the high rate of success. We also appreciate that they keep us informed and constantly updated on the progress of the collection”
    Bryan de Beer, Phoenix Fragrances
    “Within 48hrs of Creditreform being involved a resolution was agreed and within the week paid in full. The professionalism of the Creditreform team was second to none and I would and indeed do recommend them to colleagues in a similar difficult position This situation was the first time we have had to employ a company for debt recovery and it was good to feel that you have someone else ‘on your side’.”
    Dean Lake, Lake Contracts
    “We have been using Credit Reform for a number of years now and we have always been dealt with in a professional and friendly way. Over time, Creditreform have managed to achieve good results for us. Would definitely recommend.”
    Anna Zhakrova, Catering Hygiene Specialists Ltd
    “I have worked with Creditreform for many years and always received a first class service. Keep up the good work”
    Russell Hardwick, MSC Industrial