Commercial Collection Agency in Chicago, Illinois

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Your Chicago Commercial Collections Partner

For over 25 years, Miller, Ross & Goldman has been a trusted partner for businesses in Chicago, Illinois, delivering professional commercial debt collection services with proven results. We work closely with local business owners to recover outstanding receivables while protecting key client relationships. Whether you're based in The Loop, Fulton Market, or another Chicago business district, our tailored strategies help companies of all sizes maximize recovery with minimal disruption.

"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

Chicago Commercial Debt Collection & Recovery Services

Commercial debt collection

Commercial Debt Collection

As one of the nation’s economic powerhouses, Chicago is home to a wide range of industries, each with its own billing cycles, cash flow concerns, and payment challenges. At Miller, Ross & Goldman, we build industry-specific B2B debt collection strategies tailored to your company’s goals. Whether you serve the logistics industry near O’Hare or run a professional service firm in River North, we bring persistence, professionalism, and decades of commercial experience to every collection case.

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commercial debt reduction

Commercial Debt Reduction

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Debt legal support

Nationwide Legal Support

Sometimes, negotiations don’t resolve the issue. That’s where our legal team steps in, working on a contingency basis to provide full legal support without upfront costs. Chicago businesses that escalate cases with us gain access to litigation services that include judgment enforcement, lien filings, and court representation. We ensure every legal action complies with Illinois commercial debt collection laws and gets results, fast.

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Construction Lien Services

Construction Lien Services

With commercial development booming throughout the Chicagoland area, delayed payments can be a serious risk for contractors, builders, and suppliers. Our construction lien services help safeguard your right to payment in accordance with Illinois lien statutes. For qualified Pre-Collect accounts, lien filing services may be included at no extra cost, ensuring you stay protected and paid on time.

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Satisfaction Guarantee

Our Commitment to Your Success

Miller, Ross & Goldman earns nothing until we collect for you. With transparent reporting, strict compliance oversight, and a proven track record, we stand beside businesses of every size as a trusted extension of their credit departments.

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Our Commitment to Businesses in Chicago, Illinois

At Miller, Ross & Goldman, we know that maintaining your company’s cash flow is essential to long-term success. That’s why we offer risk-free commercial debt recovery backed by our no-recovery, no-fee guarantee. From non-responsive clients to complex B2B disputes, our experienced team delivers strategic, compliant, and personalized collection services. We’ve built a reputation throughout Chicago’s business community for professionalism, persistence, and results.

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Understanding Illinois Debt Collection Laws

Navigating commercial collections in Chicago means understanding both Illinois state laws and federal regulations. We ensure that all collection efforts are conducted ethically, lawfully, and with your financial interests in mind.

Statute of Limitations on Debt Collection in Illinois

Creditors in Illinois must act within specific timeframes to pursue legal action on delinquent accounts:

  • Written contracts – 10 years
  • Promissory notes – 10 years
  • Oral agreements – 5 years
  • Open accounts – 5 years

Once these limits are reached, creditors may lose legal leverage, making timely action critical.

Illinois Debt Collection Laws & Regulations

Illinois law enforces several protections and guidelines for commercial collections:

  • No Special Licensing Required: Collection agencies do not need an Illinois license but must follow federal laws under the FDCPA where applicable.
  • Pre-Judgment Relief: Creditors may request temporary restraining orders or writs of attachment in certain cases.
  • Post-Judgment Collection: Judgments are enforceable for 7 years in Illinois and can be renewed, enabling garnishment, levies, or liens when necessary.
  • Interest Rates on Debt: Creditors may charge contractually agreed rates or apply the statutory interest rate when terms are not specified.
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How Illinois Debt Collection Laws Differ from Other States

Illinois debt collection laws include important distinctions that affect how businesses pursue recovery. For example, Illinois allows for wage garnishment with proper legal judgment and permits judgment liens on real property, providing multiple avenues for enforcement. Additionally, the statute of limitations on written contracts is 10 years, offering a lengthy window to pursue legal action. Understanding these legal nuances helps Chicago businesses optimize recovery while remaining fully compliant with state regulations.

Let us earn your business today.

5 Stars

Commercial Debt Collection Performance Chicago Businesses Trust

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“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 Chicago debt collection agency operate?
When should I hand over my accounts to you?
How long will it take for you to recover outstanding debts?
Will your services damage my customer 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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