Commercial B2B collection
UCC-based recovery, purchase-order and invoice enforcement, credit-terms disputes.
🇺🇸 DECOL USA
Commercial debt recovery across the United States
New York coordination desk with a state-by-state licensed partner network. FDCPA-compliant consumer practice, commercial UCC-based recovery and judgment enforcement across all 50 states.
Office hours
Mon–Fri · 09:00–18:00 ET
Contact via email or the Cyprus HQ line.
New York coordination desk
One World Trade Center, Suite 8500, New York, NY 10007, USA
partner offices
Languages: English · SpanishCurrencies: USD Part of DECOL Services Ltd — Filippou Chatzigeorgiou 5a, Street 2006, Nicosia, Cyprus
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Cases handled
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Jurisdictions covered
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Amicable success rate
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ISO certifications
DECOL USA — how we recover receivables
DECOL USA is DECOL Services Ltd's dedicated regional desk for United States. Cases are handled by native-language collectors and escalated to locally-admitted counsel where required.
Services in United States
Consumer collection (FDCPA)
Full Fair Debt Collection Practices Act and Regulation F compliance — mini-Miranda, validation notices, contact-frequency caps.
State-licensed partners
Licensed collection agencies in every state that requires bonding (NY, MA, TX, CA, WA, etc.).
Litigation & judgment enforcement
Suit through partner litigation counsel, judgment domestication under UEFJA, bank levies and wage garnishment.
Our process
1. Placement & validation
Case placed via Decol24. For consumer debts, we send the Regulation F validation notice.
2. Written & phone demand
State-licensed partner issues written demand, followed by phone outreach within FDCPA rules.
3. Suit
Where amicable fails, partner litigation counsel files in the debtor's home state court.
4. Judgment enforcement
Domestication under UEFJA, bank levy, wage garnishment, till tap and asset investigation.
Legal framework
US consumer collection is governed by the federal Fair Debt Collection Practices Act (FDCPA) and CFPB Regulation F, plus state-level bonding and licensing regimes (New York, Massachusetts, Texas, California and Washington are the most stringent). Commercial recovery relies on UCC provisions and state contract law. Judgments are domesticated across states under the Uniform Enforcement of Foreign Judgments Act (UEFJA).
Jurisdictions covered: United States (all 50 states) · District of Columbia · Puerto Rico
Why DECOL USA
- Native English case handlers
- Local presence: New York coordination desk
- Compliant with United States collection law
- No-win / no-fee for most placements
- Real-time case status via the Decol24 portal
- Backed by DECOL's 100+ jurisdiction network
FAQ
Are you licensed in every US state?
DECOL routes each case to a licensed and bonded collection agency in the debtor's state. We do not need a separate license per state on the DECOL entity because filings are made by the state-licensed partner.
Do you comply with FDCPA and Regulation F?
Yes — every partner in our US network is required to comply with FDCPA and CFPB Regulation F, including the 7-in-7 call rule and validation notice requirements.
Accredited & Compliant
Internationally certified
Independently audited by EUROCERT — meeting global standards for quality, information security, business continuity and call centre services.
ISO 9001:2015
ISO/IEC 27001:2023
ISO 22301:2019
ISO 18295-1:2017
Ready to recover receivables in United States?
Send us your portfolio for a free assessment. DECOL USA responds within 24 hours with a recovery plan and fee proposal — no upfront cost.