Commercial Collection Agency in Iowa

Your Iowa Commercial Debt Collections Partner

For more than 25 years, Miller, Ross & Goldman has helped companies across Iowa recover commercial debts while preserving valuable business relationships. Whether your firm is a multi-state manufacturer in Cedar Rapids, a family‑owned farm supply company outside Sioux City, or an early‑stage fintech in Des Moines, our team custom‑tailors strategies that keep cash flowing and goodwill intact.
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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

Commercial Debt Collection and Recovery Services in Iowa

Commercial debt collection

Commercial Debt Collection

Iowa’s economy blends global agribusiness and advanced manufacturing with insurance, renewable energy, and technology corridors. Each sector faces its own invoicing and credit challenges. By combining respectful outreach, data‑driven skip tracing, and firm but fair negotiation, we speed up recoveries without damaging the professional ties you rely on.

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commercial debt reduction

Commercial Debt Reduction

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Debt legal support

Nationwide Legal Support

When litigation becomes unavoidable, our nationwide attorney network moves quickly. We work on a pure contingency basis, so there are no out‑of‑pocket legal fees. From filing suit to enforcing judgments, every step follows Iowa procedural rules and federal regulations.

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Construction Lien Services

Construction Lien Services

Delayed payments can stall jobs and erode margins. For qualifying pre‑collect assignments, we prepare and file mechanics’ liens at no extra charge, making sure contractors, suppliers, and design‑build firms meet strict Iowa notice and filing deadlines.

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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 Iowa businesses of every size as a trusted extension of their credit departments.

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Understanding Iowa's Debt Collection Laws

Properly managing commercial collections in Iowa requires strict adherence to both state and federal regulations. Our seasoned team stays on top of legal developments so you can stay compliant while recovering the money your business is owed.

Time Limits for Legal Action in Iowa

Iowa law sets clear deadlines, called statutes of limitation, for filing a lawsuit on a past‑due debt:

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

Waiting too long can limit, or even eliminate, your right to pursue legal action, so prompt placement is essential.

Important Legal Facts for Iowa Creditors

  • No Licensing Requirement for Commercial Collections: Iowa does not require a state license to collect business‑to‑business debts, but collectors must comply with all federal and state laws.
  • Pre‑Judgment Remedies: Under specific circumstances, creditors may seek attachment, garnishment, or replevin before a judgment is entered to safeguard assets that might otherwise disappear.
  • Judgment Enforcement: Court judgments in Iowa remain enforceable for 20 years and can be renewed, allowing ample time to pursue bank levies, wage garnishments, and liens on real property.
  • Interest on Past‑Due Accounts: If your contract specifies an interest rate, that rate governs (so long as it is lawful). When no rate is stated, Iowa applies a floating post‑judgment rate, two percent above the one‑year U.S. Treasury constant‑maturity rate, reset every six months.
Brightly lit arch bridge over a river at dusk with illuminated buildings in the background in an Iowa city.

How Iowa Debt Collection Laws Differ from Other States

Iowa affords creditors a comparatively long 10‑year window to pursue written obligations, yet it does not impose a licensing regime for commercial collection agencies. Businesses operating nationwide must account for both advantages when designing recovery timelines and compliance programs.

Let us earn your business today.

5 Stars

Trusted Commercial Collection Services in Iowa

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 Iowa collection process begin?
When should I place an Iowa account?
How long does the collection process usually take?
Will using a collection agency harm client relationships?
Can Miller, Ross & Goldman handle Iowa mechanics’ liens?

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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