Commercial Collection Agency in San Jose, California

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Your San Jose Commercial Collections Partner

For over 25 years, Miller, Ross & Goldman has helped businesses across the country recover outstanding B2B debts, serving San Jose, California, with the same results-driven, professional approach. Whether you operate in Downtown, North San Jose, or Silicon Valley’s tech corridor, we partner with companies across industries to collect what’s owed while preserving your financial stability and brand reputation.

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

San Jose Commercial Debt Collection & Recovery Services

Commercial debt collection

Commercial Debt Collection

From technology startups to logistics firms, San Jose’s business landscape is both diverse and competitive. Our commercial collection team develops tailored B2B strategies to recover unpaid debts specific to your industry and cash flow structure. If you manage a tech firm near Santana Row or a service business near Willow Glen, our team brings persistence, professionalism, and results.

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commercial debt reduction

Commercial Debt Reduction

Our Fort Worth team includes construction project aficionados adept at ensuring full payment on all commercial building endeavors, without compromising valuable project alliances. We are pleased to provide complimentary construction lien services for all Pre-Collect assignments exceeding $25k, conditional upon our Fort Worth lien team’s adherence to relevant notice and lien timelines.

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Debt legal support

Nationwide Legal Support

If traditional collection methods aren’t effective, our legal network steps in, with no upfront costs. San Jose businesses that escalate collections with us gain access to contingency-based legal support, including judgment enforcement, court filings, and lien services, all in compliance with California commercial debt laws.

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Construction Lien Services

Construction Lien Services

San Jose’s construction boom has increased the demand for reliable payment enforcement. We help contractors, builders, and suppliers file and enforce construction liens under California law, helping you get paid faster and avoid drawn-out disputes. For eligible Pre-Collect accounts, lien services may be included at no additional cost.

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Satisfaction Guarantee

Our Commitment to Businesses in San Jose, California

We understand how vital cash flow is to business health, especially in a fast-paced economy like San Jose’s. That’s why Miller, Ross & Goldman provides risk-free commercial collections, backed by our no-recovery, no-fee guarantee. From ignored invoices to complex disputes, our experts deliver strategic, compliant, and ethical recovery solutions that California businesses can trust.

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Understanding California Debt Collection Laws

California has its own strict laws governing B2B collections. We help San Jose businesses navigate these rules with precision, ensuring full legal compliance and effective outcomes.

California Statute of Limitations for Debt Recovery

To protect your legal options, it’s essential to act within these timeframes:

  • Written Contracts – 4 years
  • Oral Agreements – 2 years
  • Promissory Notes – 4 years
  • Open Accounts – 4 years

Missing these windows can permanently limit your ability to recover.

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Key California Commercial Collection Regulations

California offers multiple legal pathways for commercial debt recovery:

  • No State License Required – Collection agencies don’t need a California license but must follow federal guidelines under the FDCPA.
  • Writ of Attachment – Creditors can request pre-judgment attachments in select cases.
  • Post-Judgment Remedies – Includes wage garnishment, bank levies, and property liens.
  • Interest on Debts – Contractual interest rates are enforceable, or 10% per year when unspecified.

How California Debt Collection Laws Differ from Other States

California’s statutes are among the most consumer- and debtor-friendly in the nation, which means compliance and strategy are critical for success. The shorter statute of limitations, strict documentation standards, and detailed notice requirements make it essential to work with a partner experienced in navigating California’s legal environment.

Let us earn your business today.

5 Stars

Commercial Debt Collection Performance San Jose Businesses Trust

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 San Jose debt collection agency operate?
When should I submit my overdue accounts?
How long will it take to collect what’s owed?
Will your collection 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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