Professional Collection Agency

As an extension of your business, Collection Bureau of America is a full-service debt recovery firm providing a wide range of services.

Our History

CBA is an industry leader because of the following distinct, competitive advantages

Since 1959, Collection Bureau of America, Ltd. is a privately-held, diverse, minority-owned accounts receivable management firm specializing in collecting consumer and commercial debts, both locally in California and nationally. 

CBA is a Minority Owned Business (MBE) certified through the California Public Utilities Commission (CPUC) as well as a State of California certified small business and is licensed / authorized to collect in all 50 states.

Full Service Call Center

Seamlessly managing inbound and outbound contact ability with a state of art dialling and telephony solutions

Nationally Licensed

We are a nationally licensed professional debt collection agency. We service clients and customers across the United States


Our licensed agents and managers speak multiple languages, minimizing communication barriers with customer contacts


We run on the same platform as many of today’s largest companies so you know we’re up-to-date and that your customer data is secure.


FDCPA, PCI, HIPAA, TCPA, FCRA. The debt collection industry is heavily regulated and our quality assurance team ensures we are exceeding regulatory standards.

Business Continuity

Multiple sites, daily backups, 99.9% up time. We can keep going, while others can’t.

Full-Service Firm

Services We Offer

Our in-depth knowledge of the complexities of financial collections results in the highest levels of customer satisfaction combined with maximized recovery rates.


CBA receives itemization of all charges and then generates bill copies or invoices out to clients' customers. Performed as a price per account.


CBA collects in the name of our client, utilizing their letterhead, envelopes and phone numbers. This service is performed as a price per account format.


CBA provides third party debt collection services for only a short duration, then the client moves the account on to a different strategy.


CBA collects all debts as a third party, working to resolve the outstanding debt through payment in full or plans, charity, and resolution of disputes.


Our Clients Reviews

CBA has is a customer-service oriented collection center built to accommodate unique needs with quality results.

Frequently Asked Questions

Professional Collection Agency

As one of the leading California collections agencies, lenders often outsource debt collection activity to our team of experienced professionals. We handle business-to-business (B2B) and business-to-consumer (B2C) debt collections. We’ve established a stellar reputation as one of the longest-serving collection agencies in California, helping many businesses recover outstanding payments from their clients. 

As a nationwide collection agency, we are licensed and authorized to help our clients recover debts in all fifty U.S states. Our B2C team works tirelessly to help businesses collect money owed to them by their customers. With over sixty years of experience, our dedicated team can recover your debts successfully. Our process includes exceptional customer care during every stage of debt recovery.

What is a Collections Agency?

A collection agency or collections company is a company employed by creditors or lenders to help recover funds from accounts in default or past due. Typically, a creditor will look for the best debt collection agency to hire after they have made several attempts to collect their receivables.

Why Do Debts Get Sent to a Collection Agency?

To stay afloat, a business must collect payments for the services or products they render. This is where a collection agency can help. Unfortunately for business owners, not all customers prove to be reliable. Additionally, when running a business, people often have very little time on their hands to write emails or chase delinquent debts via telephone calls.

The older a debt becomes, the more challenging it is to collect. Hiring a collection agency can be incredibly beneficial to businesses whose repeated demands for payment have proved unsuccessful. As a trusted collection agency in California, we help our clients focus on their business while handling the ins and outs of the debt collection process.

Some of the advantages of working with a collection agency include:

Legal Protection

Permitting a debt collection agency to recover outstanding debts on your behalf eliminates potential legal risks associated with recovering debts on your own.

Successful Debt Recovery

As a nationwide debt collection agency in California, our experience in collecting unpaid debts massively increases the odds of successful debt recovery for our clients.

Legal Documentation

All of our communications with debtors are recorded, which helps our clients to pursue their debtors through the courts if necessary. Such documentation proves that our clients have made extensive efforts to recover outstanding debts.

People Pay Faster

Once a person or company’s debts are passed on to a collection agency, their credit score can be lowered. When faced with this threat and the potential to accrue further debt, people tend to pay faster and more frequently.

Debt Collection Agencies: How Do They Work?

Whether we’re dealing with a debt collection in California or pursuing a debt on the other side of the U.S., our process is results-driven and effective.

We work closely with our clients to understand the nature of the debt, the previous attempts to recover the outstanding balance, and the debtor themselves.

Once we’ve gathered the relevant information, we’ll make several attempts to contact the debtor.  We inform them that we have been placed in charge of debt collection, let them know the total outstanding balance, and explain the details on how to make a payment towards or clear the balance.

As a regulated and meticulous collection agency, all of our practices fall within the statute of limitations. We work hard to deliver world-class customer service, provide specialized customer training, and adhere to state and national regulations in all of our professional endeavors.

How to Make a Payment to a Debt Collection Agency

The first step for debtors looking to clear their outstanding balance is to determine how much they can pay. Once this figure is established, they must contact the collection agency.

Prioritizing debts in collections can avoid damage to a company or individual’s credit rating and help clear the worry and pressure that comes with outstanding debt.

Although we recommend clearing the debt in full, this isn’t always a feasible debtor option. In these cases, we can work to set up a payment plan that works for both parties.

Once agreed, debts can be paid via our specialized online portal. Alternatively, we can accommodate a range of payment options.

Regulations for a Nationwide Collection Agency

Although there is a range of state-specific regulation that governs debt collection, the leading federal law that governs national debt collection practices is ‘The Fair Debt Collection Practices Act (FDCPA).

This act covers how we report debt collection in credit reports and protects debtors from abusive, unfair, or deceptive practices when a collection agency attempts to collect outstanding debts.

We adhere to every aspect of the FDCPA in all of our collection practices and business ethics. Additionally, we hold licenses for every state we make collections, working with world-class professionalism as we collect on behalf of our clients.

Request Pricing

As a full service, secure, and on-shore contact center company, we understand the need to exceed customer service metrics while increasing the customer satisfaction journey. Get a free quote on us for your business to gain.