Commercial Collection Agency in West Virginia

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Your West Virginia Commercial Collections Partner

For more than 25 years, Miller, Ross & Goldman has helped businesses across West Virginia recover past-due receivables with professionalism and respect. We go beyond traditional collections by serving as a trusted partner for companies throughout the Mountain State. From Charleston to Huntington, Morgantown, and smaller communities statewide, our experienced team supports West Virginia businesses with results-focused, relationship-preserving commercial debt recovery services. Whether you're managing accounts for a large corporation or a local business, we bring unmatched experience and proven success.

"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 and Recovery Services in West Virginia

Commercial debt collection

Commercial Debt Collection

West Virginia’s economy includes vital industries like coal and energy, healthcare, timber, transportation, and manufacturing. These industries face unique billing cycles and payment delays. At Miller, Ross & Goldman, we tailor our approach to meet your industry’s standards. Our strategy blends consistent outreach, professional communication, and smart negotiation to recover debts efficiently, without harming your reputation. Each account tells a story, and our team listens. We develop recovery plans that prioritize results while respecting your client relationships, helping you resolve unpaid accounts while preserving the possibility for future business.

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commercial debt reduction

Commercial Debt Reduction

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Debt legal support

Nationwide Legal Support

When diplomacy fails, legal action may be necessary. Our legal team and network of attorneys work on a contingency basis, so there are no upfront legal fees. We help West Virginia businesses navigate lawsuits, enforcement, and collections litigation with confidence and legal compliance.
Whether you need help in Kanawha County or are pursuing enforcement in Monongalia County, we combine local familiarity with national strength.

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Construction Lien Services

Construction Lien Services

In West Virginia’s expanding infrastructure and construction landscape, timely payments are critical. We help contractors, builders, and suppliers protect their rights with accurate and timely lien services. Whether it’s a private development or public works project, we support your ability to get paid. For qualified pre-collect assignments, we provide no-cost lien services, offering an affordable safety net for small to mid-size construction firms.

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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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Committed to West Virginia’s Business Community

Miller, Ross & Goldman is proud to support West Virginia businesses through a results-based, risk-free approach. We don’t get paid unless we collect. Whether you’re just beginning the recovery process or need legal escalation, our professional collectors work efficiently to secure your funds. We focus on exceptional customer service, rapid communication, and long-term client success across industries.

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Understanding West Virginia’s Debt Collection Laws

We help you stay compliant with West Virginia state law and federal regulations. Quick action is crucial to protecting your legal ability to collect.

West Virginia Statutes of Limitation for Commercial Debt:

  • Written contracts – 10 years
  • Promissory notes – 10 years
  • Oral agreements – 5 years
  • Open accounts – 5 years

Acting promptly is essential. Waiting too long may limit your legal options.

Legal Facts West Virginia Creditors Should Know:

  • Licensing: No state licensing is required, but all federal and state consumer laws must be followed.
  • Pre-Judgment Remedies: Includes garnishment, attachment, or replevin under certain conditions.
  • Judgment Validity: Judgments remain valid for 10 years and can be renewed.
  • Interest Collection: If not contractually specified, West Virginia’s legal rate of interest may apply.

Knowing these timelines and rules gives your business a clear advantage when collecting commercial debt.

Quiet street in a small town in West Virginia, lined with historic brick buildings, American flags on lamp posts, potted flowers, and green hills in the background under a cloudy sky.

How West Virginia Debt Collection Laws Differ from Other States

West Virginia offers a slightly longer window for collecting most unpaid commercial debts, with a statute of limitations of 5 years for written contracts. While the state doesn’t require debt collectors to hold a specific license, they must comply with all federal and state laws, including the West Virginia Consumer Credit and Protection Act. These regulations are often more protective of debtors than in other states, making it critical for creditors to follow compliant, well-documented practices to secure payment.

Let us earn your business today.

5 Stars

Trusted Commercial Collection Services in West Virginia

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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 West Virginia collection service work?
When is it time to place a delinquent account?
Do you maintain our customer relationships?
How long does debt recovery take in West Virginia?
Can you assist with West Virginia lien filings?

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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