Debt Collection in The USA – California

Location of office(s):

2 office’s in California, Cypress and Riverside, CA

Number of staff:


How long been operating in USA:

30 Years

Type of debts you do? Do you do commercial and consumer?

Primarily Commercial

Minimum size debt:


Statute of limitation in USA:

4 years written, 2 years verbal California. Other states have different statue some more some less.

What is the Debt Collection process in USA?

First Written demand, Telephone calls for amicable collection, if unsuccessful then recommend suit, once suit is filed settlement talks continue, if unsuccessful we go to trial or request default judgment. Once judgment entered post judgment enforcement .

Average length of time to collect?

Depends could be within 30 days or up to 9 months to get to trial. Judgments are valid in California for 10 years

Can fees / interest be added to claims?


Brief details on legal service / process in USA

In a trial we must have witness, if no witness no trial.

Debt collection procedures differ from state to state. Creditreform has partnered with an expert in every State and our California debt collection partner has 30 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.