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 New York

New York state has 62 cities with New York City being the most populous city with 40% of the state residing here. New York is the 4th most populous state in USA with over 19 million residents. Our local office is based in New York city so we are well positioned to recover debts throughout the entire state.

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 other languages such as Spanish are also spoken. These are reasons why Creditreform are the ideal people to help you in collecting debts from overseas.

4. Statute of Limitation in New York

Each state has its own statute of limitations and they vary depending on the type of debt you have. In New York it is 6 years on contracts and 4 years on sales. 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:


    Debt Collection New York

    Main reasons why a local country debt recovery agency is so important rather than trying to recover from the UK are as follows:

    The local International Debt collection Partners know:

    1. The local cultures
    2. The languages
    3. The laws
    4. Are in the same time zones


    Herewith details of our debt collection service New York:

    Location of office(s):
    61 Broadway, Suite 2780, New York, NY 10006

    Number of staff:

    How long been operating in USA:
    Since 1982

    Type of debts we recover?
    We handle both commercial and consumer debt.

    Statute of limitation in New York:
    Six (6) years on contract—Four (4) years on sales.

    What is the Debt Collection process in New York?
    Service of summons and complaint; 30 days for Defendant to file answer—if not, then move for default judgment. If Defendant answers, there is a period for discovery and then when completed, the case goes on the trial calendar. We also use summary judgment motions in many collection cases to shorten the process where there is no real issue of fact.

    Average length of time to collect?
    It can take 5-6 months to get a default judgment—it can take a few years to get a trial date.

    Can fees / interest be added to claims?
    Legal fees can only be added if provided for in the underlying agreement. Same is true for pre-judgment interest. Court will award court costs upon judgment. Post judgment interest accrues on the judgment amount depending on the state (New York gives 9% interest while New Jersey is closer to 2%).

    Legal service / process in New York
    Must comport with ‘due process’. Statute provides several ways to serve and is usually not a problem. We use licensed process servers who know and abide by the legal guidelines.

    Getting a judgment is half the battle. Different states in the USA have different enforcement mechanisms available and so some are more pro-creditor while others (like Florida) are more protective of the debtor. Judgments in New York, for example, are good for 20 years so there is plenty of time for a smart debtor to slip up!

    Debt collection USA procedures differ from state to state. Creditreform has partnered with an expert in every State and our New York debt collection partner has 35 years experience there. They have proven very successful for Creditreform’s clients over the years successfully recovering many thousands of pounds. As with all our debt collection services this is undertaken on a No Win No Fee basis.

    Despite the huge time zone difference with the UK and Europe the USA partners will always keep us up to date with regular progress reports and immediate communications when required ensuring open debt cases are kept up to date at all times.

    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 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. Our aim is for clients to have the best chance of a successful recovery and the collection of their money without wasting days, weeks and months either chasing an uncollectable debt or even chasing the wrong debtor.

    “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