Top 5 Debt Collection Agencies for 2026

The 5 Best Debt Collection Companies for 2026

1. Fair Capital

2. Summit A*R

3. IC System

4. American Profit Recovery

5. Atradius Collections

#1 Fair Capital

BBB Rating   A+ Google Rating ⭐⭐⭐⭐⭐ ACA International Member

✔Above average results. ✔No upfront cost. ✔Online portal. ✔Monthly collection report. ​✔Consumer and Commercial ❌Additional costs may apply for litigation.

Fair Capital is a full-service debt collection agency known for its extraordinary results. The agency is committed to achieving results through professional and ethical means. Fair Capital boasts a strong track record in debt collection, supported by comprehensive data security, adherence to legal standards, and advanced technology, all while maintaining client brand protection. The agency has developed and implemented effective collection strategies in various markets, consistently aiming to achieve optimal results.

#2 Summit A*R	BBB Rating   B Google Rating ⭐⭐⭐⭐ ACA International Member
✔Online Portal. ✔Monthly collection reports.  ✔Consumer and Commercial.  ❌High volume of BBB complaints. ❌Potentially high fees of up to 50%. ❌Discourages from submitting accounts that are two years or older.	Summit Account Resolution, established in 1996, is a reputable debt collection agency known for its effective approach to debt recovery, focusing on preserving positive relationships with customers and vendors. The agency offers various services, including transparent pricing and tailored collection strategies, catering to business-to-business and business-to-consumer needs.

#3 IC System	BBB Rating   A Google Rating  ⭐⭐⭐ ACA International Member
✔Over 80 Years of Expertise. ✔Consumer and Commercial.  ✔Online Portal. ❌High volume of BBB complaints.	IC System, established in 1938, is a prominent Accounts Receivable Management provider and among North America's largest collection companies. This family-owned business, now in its third generation of management, is known for its ethical approach to consumer and commercial collections, covering all stages of the revenue management cycle.

#4 American Profit Recovery	BBB Rating   A Rating  ⭐⭐⭐⭐⭐ ACA International Member
✔Online Portal. ✔ Nationwide ❌Fixed-fee collections at $24 per account.	If your organization has customers across numerous states, and have a regular need for debt collections, that’s where American Profit Recovery can assist you best.

#5 Atradius Collections	BBB Rating   A+ Trustpilot Rating  ⭐⭐
✔Global Reach. ✔Online Portal. ✔Diverse Range of Services. ❌ There may be an upfront charge.	Atradius Collections, established in 1925 in the Netherlands, is a prominent commercial debt collection agency. It is a member of various international trade associations like the IACC, the Credit Services Association, and the Federation of European Credit Management Associations.