Miller, Ross & Goldman
Global Commercial Debt Collection & Legal Services
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Commercial Collection Agency in North Carolina
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Charlotte, NC

Commercial Collection Agency in Charlotte, North Carolina

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BBB Rating: A+

As of 2024

Your Charlotte Commercial Collections Partner

At Miller, Ross & Goldman, we’ve proudly supported businesses nationwide for over 25 years, including those in the fast-growing city of Charlotte, North Carolina. From Uptown to South End, we help companies across all industries recover overdue B2B debts while protecting the integrity of client relationships. If your business is struggling with unpaid invoices, our proven strategies deliver real results with minimal disruption.

Why Wait? Get Paid!

"Hire and train the best, work harder than all the rest."
Don't Wait, Get Paid!
B2B (Business-to-Business) Debts Only
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95%
Consistent Collections
Success Rate
A+
Rated & Accredited by the Better Business Bureau
3X
More $ Collected Over Competing Attorneys & Collection Agencies

Charlotte Commercial Debt Collection & Recovery Services

Commercial debt collection

Commercial Debt Collection

Charlotte’s dynamic business scene includes everything from banking giants to industrial service providers. Whether you're a vendor serving the financial district or a subcontractor in Steele Creek, we tailor our commercial debt recovery process to fit your unique billing cycles and industry demands. Our goal is to collect what you’re owed quickly, professionally, and in full compliance with North Carolina law.

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commercial debt reduction

Commercial Debt Reduction

Our Fort Worth team includes construction project aficionados adept at ensuring full payment on all commercial building endeavors, without compromising valuable project alliances. We are pleased to provide complimentary construction lien services for all Pre-Collect assignments exceeding $25k, conditional upon our Fort Worth lien team’s adherence to relevant notice and lien timelines.

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Debt legal support

Nationwide Legal Support

If standard collection efforts aren’t enough, we provide full access to our contingency-based legal support team. Charlotte businesses benefit from our in-house legal resources and national network of attorneys, who can assist with judgment enforcement, court filings, and lien placements, all without upfront legal fees.

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Construction Lien Services

Construction Lien Services

With commercial development booming throughout Charlotte, especially in areas like NoDa and Ballantyne, contractors and suppliers need reliable protection against nonpayment. Our construction lien services help you safeguard your rights under North Carolina lien laws and secure the compensation you’ve earned. Lien services may be included at no charge for qualifying Pre-Collect accounts.

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Satisfaction Guarantee

Our Commitment to Businesses in Charlotte, North Carolina

Miller, Ross & Goldman is proud to support Charlotte’s thriving business community with risk-free commercial collections. Our no-recovery, no-fee model ensures your cash flow is protected without increasing overhead. Regardless if you're dealing with slow-pay clients, large unpaid balances, or complex disputes, our experienced team works quickly and compliantly to resolve the issue and restore your revenue.

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Understanding North Carolina Debt Collection Laws

Navigating collections in Charlotte means following North Carolina’s specific laws and timelines. We ensure that every step of the process meets state and federal guidelines, helping protect your interests while maximizing recovery.

North Carolina Statute of Limitations for Debt Collection

To keep your legal options open, act before these deadlines expire:

  • Written Contracts – 3 years
  • Oral Agreements – 3 years
  • Promissory Notes – 5 years
  • Open Accounts – 3 years

Don’t delay. The sooner a case is initiated, the stronger your legal standing.

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North Carolina Commercial Collection Rules

Businesses in Charlotte must adhere to several key provisions when recovering debt:

  • Licensing – North Carolina requires debt collection agencies to be licensed and bonded.
  • Judgment Enforcement – Creditors can pursue post-judgment remedies, including garnishment and property liens, where permitted.
  • Interest on Debts – If not specified in a contract, the state’s default interest rate applies (currently 8% per annum).

How North Carolina Debt Collection Laws Differ from Other States

Unlike many states, North Carolina has shorter statutes of limitations, which makes it critical to act promptly. North Carolina also prohibits wage garnishment for most debts unless the debtor consents, requiring alternative enforcement methods like bank levies or liens. Our team helps Charlotte businesses navigate these distinctions with confidence.

Let us earn your business today.

(512) 366-9110
5 Stars

Commercial Debt Collection Results Charlotte Businesses Count On

Read More Testimonials
“I had to write this letter to tell you how much I appreciate your excellent commercial collection services. In addition to traditional collections, your expertise in credit management has been invaluable to our company. All in all, this is one area of the business that I know is being handled as efficiently and effectively as possible. Miller, Ross & Goldman is a true partner.”
Lori G., Chief Financial Officer
“I would like to take the time to thank your firm for its’ outstanding results on our commercial collection accounts. I can tell you that we have been very pleased with the expeditious collection of our past-due accounts. The professionalism and eagerness that has been exhibited by your staff is exemplary and we look forward to doing continued business with Miller, Ross & Goldman.”
Jennifer. N., Collections Director
“I just wanted to tell you how excited our Commercial Division is about your staff’s continued collection success with our accounts. We’re blown away! We’ve used several collection agencies before Miller, Ross & Goldman and you guys are far exceeding their results, as well as our expectations. Keep it up! I’ll spread the word every chance I get!”
Jeff H., Collections Manager
“I would like to thank you for the collection services you have provided us with. This was the easiest process of collections we have ever experienced: very timely with great communication and understanding. You have done a marvelous and painless job for us. We will certainly use Miller, Ross & Goldman in the future and refer our friends and associates.”
Felix and Mila B., Owners

Frequently Asked Questions

How does your Charlotte debt collection agency operate?
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How quickly can you recover outstanding debt?
Will your collections hurt my client relationships?
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Don’t Wait & Let Your Money Slip Away!

Each day your past-due accounts age, the opportunity for a full recovery diminishes.

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Let’s Make a Difference Together!

As our valued Client, together we can embrace our social consciousness through helping others. All charitable contributions are offset from OUR contingency fees and made in our Client’s good name.

Learn more about helping others together

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