How does your Missouri debt collection agency operate?

At Miller, Ross & Goldman, we use a multi-step process that includes persistent phone outreach, formal demand letters, email campaigns, skip tracing, and, when necessary, in-person collection efforts. If initial recovery attempts aren’t successful, we offer legal escalation through our network of attorneys, all on a contingency basis, meaning you don’t pay unless we recover your funds.

When should I hand over my accounts to you?

The best time to involve a professional debt collection agency is when an account becomes 60 days past due and communication with your customer has stalled or ceased entirely. Once an account reaches 90 to 120 days overdue, the likelihood of voluntary payment drops significantly, making it critical to act quickly. Even if a debtor has made promises to pay, delays can lead to greater financial risk.

How long will it take for you to recover outstanding debts?

The timeline for recovering commercial debts in Missouri varies depending on factors like the age of the debt, the debtor's financial condition, and their willingness to cooperate. Our proactive strategies are designed to secure payment as swiftly as possible, but more complex cases, especially those requiring legal action, may take longer. By submitting overdue accounts early, you increase the likelihood of a faster resolution and minimize potential cash flow disruptions for your business.

Will your services damage my customer relationships?

We understand that maintaining strong client relationships is essential for Missouri businesses. That’s why our debt collection methods prioritize professionalism, discretion, and respect at every stage of the recovery process. Our goal is to secure payment while leaving the door open for future business opportunities whenever possible. We recognize that many overdue accounts stem from temporary financial hardships, not bad intentions. By using a balanced approach focused on resolution rather than confrontation, we help protect your reputation and preserve long-term customer relationships—even while recovering what you're owed.

Missouri Commercial Debt Collection Agency

Your Missouri Commercial Collections Partner

For over 25 years, Miller, Ross & Goldman has been a trusted resource for businesses across Missouri, providing expert commercial debt collection services with a focus on results and professionalism. Our presence in the Show-Me State goes beyond standard collection practices—we partner with Missouri businesses to help them recover overdue payments while preserving important client relationships. From the bustling business hubs of St. Louis and Kansas City to growing markets in Springfield, Columbia, and Jefferson City, we offer customized solutions for companies of all sizes. Whether you're managing a family-owned business or a large corporation, Miller, Ross & Goldman consistently delivers superior outcomes compared to other collection agencies and legal firms in Missouri.

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

More $ Collected Over Competing Attorneys & Collection Agencies

Missouri Commercial Debt Collection & Recovery Services

Commercial Debt Collection

Missouri’s economy is powered by industries like healthcare, manufacturing, agriculture, and logistics, each presenting distinct challenges when accounts go unpaid. At Miller, Ross & Goldman, we develop customized B2B debt collection strategies that align with your industry’s specific needs. Our team combines persistence, professionalism, and decades of experience navigating Missouri’s business environment to recover overdue payments efficiently, while preserving the valuable relationships you’ve built with your clients.

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Nationwide Legal Support

Although our priority is to resolve debts amicably, some cases require legal escalation. Missouri businesses working with Miller, Ross & Goldman gain access to a skilled legal team that operates entirely on a contingency basis, so you face no upfront legal fees. Whether it’s obtaining judgments, enforcing liens, or pursuing other legal remedies, we ensure your financial interests are fully protected while maintaining compliance with Missouri debt collection laws.

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Construction Lien Services

Timely payment is critical in Missouri’s active construction industry. When delays occur, our construction lien services provide essential protection for contractors, suppliers, and developers. For eligible Pre-Collect accounts, we offer lien services at no additional cost, helping Missouri businesses secure outstanding payments and keep projects on track. Our expertise in Missouri lien laws ensures your rights are safeguarded throughout the recovery process.

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Our Commitment to Your Success

Our 100% contingency-based, or guaranteed pay-for-performance, fee structure means we earn only when we achieve success for our Clients. The moment your company becomes a Miller, Ross & Goldman Client, our extensive resources and proven expertise will be at your disposal immediately. Our sole purpose: Get you paid.

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Understanding Missouri’s Debt Collection Laws

Navigating Missouri debt collection laws requires in-depth knowledge of both state-specific and federal regulations. Our team ensures full compliance while optimizing recovery efforts for your business.

Statute of Limitations on Debt Collection in Missouri

In Missouri, creditors must act within certain timeframes to pursue unpaid debts through legal channels:

Written Contracts – 10 years
Oral Agreements – 5 years
Promissory Notes – 10 years
Open Accounts (e.g., credit lines, invoices) – 5 years
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Once these limits expire, legal options for debt recovery diminish—prompt action is key to protecting your financial interests.

Missouri Debt Collection Laws & Regulations

Missouri enforces both federal standards and state-specific rules for commercial collections:

No Special Licensing Required – Collection agencies don’t need a Missouri state license but must comply with the FDCPA where applicable.
Pre-Judgment Remedies – Creditors can request writs of attachment to secure debtor assets before a court ruling.
Post-Judgment Enforcement – Missouri judgments are enforceable for 10 years and can be renewed, allowing creditors to collect via garnishments, levies, or liens.
Interest on Overdue Debt – Creditors may charge interest as specified in contracts, or apply Missouri’s statutory rate when no agreement exists.

How Missouri Debt Collection Laws Differ from Other States

Missouri offers longer statutes of limitations on certain debts compared to many states, giving businesses extended time to pursue recovery. The ability to renew judgments also provides creditors with prolonged enforcement power. Understanding these nuances allows businesses to maximize recovery while ensuring adherence to Missouri’s legal framework.