Commercial Collection Agency in San Diego, California

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Your San Diego Commercial Collections Partner

For more than 25 years, Miller, Ross & Goldman has helped businesses in San Diego, California, recover delinquent accounts with a strategic and professional approach. From biotech and defense to real estate and hospitality, San Diego’s economy is diverse, and so are the challenges businesses face when clients don’t pay. We deliver customized commercial collection solutions that prioritize results while protecting your client relationships. Whether you’re in Downtown San Diego, Sorrento Valley, Miramar, or Carlsbad, our firm brings proven experience and a commitment to performance that sets us apart from typical collection agencies.

"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

Commercial Debt Collection & Recovery Services in San Diego

Commercial debt collection

Commercial Debt Collection

San Diego businesses operate in high-value industries that demand quick, reliable cash flow. At MRG, we build custom B2B collection strategies for every client, targeting your debtor’s location, industry, and financial profile. Whether you’re a contractor, logistics firm, or tech company, our methods are designed to recover funds efficiently and professionally.

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commercial debt reduction

Commercial Debt Reduction

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Debt legal support

Nationwide Legal Support

When friendly collections aren’t enough, we escalate matters through our nationwide legal network at no upfront cost to you. Our San Diego clients benefit from full-service legal recovery support, from obtaining judgments to enforcing liens and garnishments, all in compliance with California’s complex commercial collection laws.

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Construction Lien Services

Construction Lien Services

San Diego’s booming construction and development scene leaves little room for payment delays. Our lien services help protect your receivables with zero added fees on eligible Pre-Collect accounts. From general contractors to subcontractors and suppliers, we understand California’s lien laws and help you use them to your advantage.

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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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Our Commitment to Businesses in San Diego, California

Miller, Ross & Goldman provides San Diego businesses with risk-free, no-recovery-no-fee commercial collections. Whether you're chasing unpaid invoices or dealing with long-dormant accounts, we act quickly and effectively to improve your cash flow and protect your operations. With a reputation for professionalism, compliance, and results, MRG is the trusted collections partner for San Diego businesses across every major industry.

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Understanding California Debt Collection Laws

Navigating debt recovery in California requires expertise. As your partner, we ensure our collections remain compliant with both federal and state regulations.

California Statute of Limitations on Debt

Timing matters. Here’s how long you have to pursue legal action on unpaid debts in California:

  • Written contracts – 4 years
  • Promissory notes – 4 years
  • Oral agreements – 2 years
  • Open accounts – 4 years

Once a statute expires, legal options narrow significantly. We help you act fast and stay compliant.

Key California Debt Collection Rules

  • No State Licensing Required: California doesn’t require a special license for commercial collectors but still enforces strict consumer protection and business codes.
  • Writs & Judgments: Creditors may pursue prejudgment remedies and post-judgment collections, including wage garnishment and asset liens.
  • Interest on Debt: Interest can be charged per your contract or California’s default rate of 10% annually when no written rate is specified.
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How California Collection Law Compares to Other States

California’s shorter statutes of limitations and strict privacy protections make timely, professional action even more critical. Compared to other states, collections in California require a sharper legal focus and a more nuanced approach. MRG is uniquely equipped to navigate those differences, so your business gets paid without unnecessary risk.

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 San Diego collection process work?
When should I send an account to collections?
How long does debt recovery take in California?
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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