When invoices go unpaid or rent balances pile up, Michigan businesses need partners who know how to recover debt efficiently and compliantly. Finding the best debt collection agency Michigan businesses can trust is not about aggressive tactics. It is about results, compliance, transparency, and experience with your type of accounts.
Below is a curated list of reputable debt recovery agencies serving Michigan businesses, including local specialists and national firms with proven track records.
What Michigan Businesses Should Look For First
Before choosing a collection agency, it helps to know what actually matters. Michigan businesses should prioritize agencies that follow state licensing rules, comply with the Fair Debt Collection Practices Act, and communicate professionally with debtors.
Contingency-based pricing is also important. Agencies that only get paid when they collect reduce financial risk and align incentives. Credit reporting, skip tracing, and account-level strategy all play a role in faster recoveries.
For a deeper look at how agencies improve outcomes, our article on how a debt collection agency can help recover lost revenue explains why professional collections outperform in-house efforts.
Advanced Collection Bureau
Website: https://www.advancedcb.com
Phone: 321 - 633 - 4999
Advanced Collection Bureau is a national debt recovery agency that works with Michigan businesses, property managers, and landlords. While ACB is best known for residential rent recovery, they also assist with commercial and consumer accounts depending on account type and documentation.
ACB operates on a pure contingency model, reports to the credit bureaus twice per month, and uses advanced skip tracing to locate debtors who have moved or gone silent. Their strength lies in structured, compliant recovery rather than high-pressure tactics.
ACB is often a strong fit for businesses managing unpaid rent, mixed portfolios, or accounts that require credit reporting to motivate payment. You can learn more about their services on their work with us page.
J.J. Marshall & Associates
Website: https://jjmarshallinc.com
Phone: 248-269-5550
Based in Michigan, J.J. Marshall & Associates has been operating since the 1970s and is well known in the local collections industry. They handle both consumer and commercial debt and are members of major industry associations, including the Michigan Association of Collection Agencies.
Their long-standing presence makes them a popular option for Michigan-based companies that want a local agency familiar with state regulations and court processes.
The Kaplan Group
Website: https://www.kaplancollectionagency.com/detroit-collection-agency
The Kaplan Group focuses heavily on business-to-business debt recovery and larger commercial balances. They work on contingency, do not rely on automated dialers, and customize strategies based on the size and age of each account.
Michigan businesses with unpaid commercial invoices often consider Kaplan when accounts require a more tailored approach.
IC System
Website: https://www.icsystem.com/michigan-collection-services
IC System is a national agency with a long history of ethical collections. They service Michigan businesses across multiple industries and emphasize compliance and reputation protection.
Their structured recovery workflows appeal to businesses that want consistent reporting and scalable collection processes.
Leib Solutions
Website: https://www.leibsolutions.com/locations/michigan
Leib Solutions combines national reach with Michigan coverage and is known for using technology-driven strategies alongside experienced collectors. They work with businesses of varying sizes and offer accounts receivable solutions that scale as companies grow.
This agency is often considered by businesses that want a modern, data-driven approach to collections.
Central Professional Services
Website: https://centralprofessional.org
Phone: 800-748-0031
Located in Cadillac, Michigan, Central Professional Services provides local collection services for both consumer and business accounts. Their regional focus can be appealing to small and mid-sized Michigan companies seeking a more personalized experience.
Legal and Compliance Considerations in Michigan
Collection agencies operating in Michigan must follow federal regulations and state licensing requirements. Businesses can review licensing information through the Michigan Department of Licensing and Regulatory Affairs to confirm an agency is properly authorized.
If you are evaluating agencies, it is worth asking how they handle disputes, credit reporting, and compliance documentation. Poor practices can expose your business to risk.
Our article on debt collection laws what businesses and consumers should know provides a useful overview of legal responsibilities.
Choosing the Right Agency for Your Business
There is no single best debt collection agency Michigan businesses should use in every situation. The right partner depends on your industry, account types, and recovery goals.
Local agencies may offer familiarity and regional insight. National agencies bring advanced tools, broader skip tracing, and frequent credit reporting. Many Michigan businesses compare two or three agencies before deciding.
If your accounts include unpaid rent, mixed portfolios, or former customers who have relocated, Advanced Collection Bureau is often worth including in that comparison.
Final Thoughts
Unpaid accounts strain cash flow and distract from growth. The right collection agency helps you recover faster while protecting your reputation and staying compliant.
If you are searching for the best debt collection agency Michigan businesses rely on, start by contacting a few agencies on this list, asking about pricing, reporting, and experience with your type of accounts.
If you would like to explore working with Advanced Collection Bureau, you can get started at https://www.advancedcb.com/work-with-us or reach out directly through https://www.advancedcb.com/contact.
