Miller, Ross & Goldman
Global Commercial Debt Collection & Legal Services
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Commercial Collection Agency in Tennessee
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Memphis, TN

Commercial Collection Agency in Memphis, Tennessee

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BBB Rating: A+

As of 2024

Your Memphis Commercial Collections Partner

For over 25 years, Miller, Ross & Goldman has been a trusted name in commercial debt recovery across the United States. In Memphis, Tennessee, we help local businesses recover unpaid invoices quickly and professionally while maintaining positive client relationships. Whether your business operates in Downtown Memphis, Germantown, Collierville, or throughout West Tennessee, our commercial collections team works tirelessly to recover the payments you’re owed and restore your company’s cash flow.

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

Memphis Commercial Debt Collection & Recovery Services

Commercial debt collection

Commercial Debt Collection

Memphis’s economy is powered by logistics, healthcare, construction, manufacturing, and professional services. Our experienced team creates custom debt recovery strategies designed to align with your business goals and client relationships. Whether you’re a contractor in Southaven, a healthcare provider near East Memphis, or a distributor along I-40, we have the expertise and persistence to recover your outstanding B2B receivables while preserving your professional reputation.

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commercial debt reduction

Commercial Debt Reduction

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Debt legal support

Nationwide Legal Support

When traditional collection efforts are not enough, we can escalate your case through our nationwide network of commercial collection attorneys, without any upfront legal fees. Memphis businesses gain access to judgment enforcement, liens, and litigation support, all managed in compliance with Tennessee’s commercial collection laws.

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Construction Lien Services

Construction Lien Services

From major commercial developments in Downtown Memphis to residential projects in Bartlett, Germantown, and Olive Branch, contractors and suppliers across the Mid-South rely on our lien services to secure their payment rights. For qualifying Pre-Collect accounts, lien filing may be available at no additional cost.

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Satisfaction Guarantee

Our Commitment to Your Success

We know that consistent cash flow is critical to keeping your Memphis business running smoothly. That’s why every case we handle comes with our no-recovery, no-fee guarantee. Whether you’re facing unpaid invoices, delayed payments, or client disputes, our Memphis commercial debt collection specialists deliver strategic, compliant, and results-driven recovery solutions that protect your brand and reputation.

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Understanding Tennessee Debt Collection Laws

Tennessee’s Statute of Limitations on Debt Collection

Acting promptly ensures your right to recover funds. Tennessee’s timelines for commercial debt are:

  • Written Contracts – 6 years
  • Oral Agreements – 6 years
  • Promissory Notes – 6 years
  • Open Accounts – 6 years
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Key Tennessee Commercial Collection Laws

  • Licensing – Tennessee requires commercial collection agencies to maintain proper licensing.
  • Post-Judgment Remedies – Creditors can pursue liens, bank levies, and wage garnishments after obtaining a judgment.
  • Interest Rates – Creditors may charge the contractual rate or Tennessee’s statutory rate if none is specified.
  • Judgment Enforcement Period – Judgments are enforceable for 10 years and can be renewed.

How Tennessee Laws Differ from Other States

Tennessee provides creditors with a longer judgment enforcement period than many states, offering extended opportunities for debt recovery. This advantage allows Memphis businesses to pursue repayment even years after a judgment has been issued, helping creditors recover funds when debtors’ financial situations improve.

Let us earn your business today.

(512) 366-9110
5 Stars

Commercial Debt Collection Performance Memphis 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 Memphis commercial collection agency work?
When should I submit an overdue account?
How long does it take to collect?
Will this 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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