How does your Tennessee debt collection agency work?

At Miller, Ross & Goldman, our Tennessee commercial debt collection process is designed to be both effective and professional. We begin with a thorough review of your overdue accounts to understand the nature of the debt, the debtor’s profile, and any prior collection efforts. From there, we implement a multi-step recovery strategy that includes persistent phone outreach, formal demand letters, email communication, skip tracing to locate hard-to-reach debtors, and, when necessary, in-person visits.

When should I hand over my accounts to you?

Timing is critical when it comes to successful commercial debt recovery in Tennessee. If a customer account is more than 60 days overdue and you’re experiencing ignored invoices, unanswered calls, or broken payment promises, it’s a strong indicator that internal efforts may no longer be effective. Accounts that reach 90 to 120 days past due should be placed in collections immediately, as the likelihood of full recovery diminishes the longer a debt remains unpaid.

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

The timeline for recovering commercial debts in Tennessee depends on several factors, including the debtor’s financial situation, responsiveness, the amount owed, and whether legal action is required. However, more complex cases, such as those involving disputes, financial distress, or uncooperative debtors, may take longer and could require court intervention.

Will your services damage my customer relationships?

One of the biggest concerns businesses have when considering debt collection services is the potential impact on customer relationships. We act as an extension of your company, working to recover what is owed without resorting to aggressive or hostile tactics that could harm your reputation. Our collectors are trained to engage debtors in constructive dialogue, offering solutions such as structured repayment plans when appropriate. We aim to recover your funds and preserve future business opportunities whenever possible. If maintaining goodwill is a priority for you, we will tailor our strategies to align with your preferences, ensuring a balanced recovery process.

Virginia Commercial Debt Collection Agency

Your Virginia Commercial Collections Partner

For over 25 years, Miller, Ross & Goldman has been a trusted ally to businesses across Virginia, providing expert commercial debt collection services with proven results. Our role in the Old Dominion goes beyond that of a typical collection agency—we act as dedicated partners in helping Virginia businesses maintain financial stability and recover overdue payments efficiently. From the bustling industries in Richmond and Virginia Beach to the growing businesses in Norfolk, Arlington, and Roanoke, we specialize in commercial debt recovery while preserving valuable client relationships. Whether supporting large corporations, small businesses, or family-owned enterprises, our firm consistently outperforms other collection agencies and law firms across Virginia.

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

Thank you! Your submission has been received!

Oops! Something went wrong while submitting the form.

95%

Consistent Collections
Success Rate

A+

Rated & Accredited by the Better Business Bureau

More $ Collected Over Competing Attorneys & Collection Agencies

Virginia Commercial Debt Collection & Recovery Services

Commercial Debt Collection in Virginia

Virginia’s diverse economy—driven by industries such as government contracting, healthcare, technology, shipping, and manufacturing—presents unique challenges when it comes to business debt collection. At Miller, Ross & Goldman, we tailor our collection strategies to meet the specific needs of Virginia businesses. Our comprehensive approach combines persistent outreach, professional negotiation, and customized recovery techniques to maximize efficiency while maintaining your business relationships.

Learn More

Nationwide Legal Support

While our goal is to resolve debts without litigation, when legal action is necessary, Virginia businesses benefit from our experienced legal team operating on a contingency basis, meaning no upfront fees. Whether pursuing court judgments, enforcing liens, or leveraging other legal tools, we work diligently to protect your financial interests while ensuring compliance with Virginia debt collection laws.

Learn More

Construction Lien Services

Timely payments are critical in Virginia’s booming construction and development sectors. Our specialized lien services help contractors, suppliers, and developers secure payment when accounts become overdue. For eligible Pre-Collect assignments, we offer these services at no additional cost, ensuring your rights are protected under Virginia’s lien statutes.

Learn More

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.

Learn More

Understanding Virginia’s Debt Collection Laws

Navigating Virginia’s commercial debt collection laws requires a deep understanding of both state and federal regulations. As your dedicated collection partner, we ensure every action is compliant while maximizing recovery outcomes.

Statute of Limitations on Debt Collection in Virginia

Virginia law sets clear deadlines for creditors to initiate legal action:

Written Contracts – 5 years
Oral Agreements – 3 years
Promissory Notes – 6 years
Open Accounts (e.g., credit lines, invoices) – 3 years
‍

Once these time limits expire, creditors lose the right to pursue legal action, making it crucial to act promptly.

Virginia Debt Collection Laws & Regulations

While Tennessee adheres to federal standards like the FDCPA, it also enforces its own state-level provisions:

No Special Licensing Required – Virginia does not require collection agencies to obtain a state license, but adherence to the FDCPA and state guidelines is mandatory.
Pre-Judgment Remedies – Creditors can seek writs of attachment or garnishment before final judgment under certain conditions.
Post-Judgment Enforcement – Judgments in Virginia are enforceable for 20 years and can be renewed, offering long-term opportunities for debt recovery through liens, garnishments, and levies.
Interest on Overdue Debt – Virginia allows creditors to charge interest on overdue commercial debts as specified in contracts, with a legal default rate if none is stated.

How Virginia Debt Collection Laws Differ from Other States

Virginia offers strong enforcement tools for creditors, including long judgment validity and flexible pre-judgment remedies. Understanding these nuances allows businesses to navigate collections confidently and recover debts while staying fully compliant.