When you’re seeking to recover unpaid invoices or overdue accounts, not every collection agency fits the bill. One company that often comes up in commercial collection circles is The Kaplan Group—a firm that has carved out a niche focusing exclusively on business-to-business (B2B) debt recovery. But is their model right for every type of creditor?

In this post, we’ll take a closer look at The Kaplan Group: how they work, what types of clients they serve, and how their services compare to agencies like Advanced Collection Bureau (ACB), which is known for personalized recovery services across multiple industries.

Who Is The Kaplan Group?

The Kaplan Group was founded in 1991 and is based in Pismo Beach, California. They specialize in collecting commercial debt—meaning they pursue payments from businesses rather than individual consumers.

Their primary audience includes companies dealing with large unpaid invoices, especially those involving other corporations, LLCs, or partnerships. In fact, their website clearly states that their ideal client has claims of $10,000 or more, with a strong focus on accounts ranging up to $1 million or higher.

Official website: www.kaplancollectionagency.com
Phone: (805) 541-2639
Contact: The Kaplan Group Contact Page

What Services Do They Offer?

Unlike many collection agencies that serve both B2B and B2C clients, The Kaplan Group strictly focuses on commercial collections. Their approach includes:

• Custom collection strategies based on each debtor’s structure and circumstances
• Negotiators with advanced degrees (MBAs, JDs) who engage directly with debtors
• No automated dialing, overseas call centers, or pre-scripted calls
• In-house legal team offering litigation support if collections fail

They also operate on a contingency-only basis, meaning clients only pay if money is recovered. According to their website, their contingency rates range from 10% to 25% depending on claim size and complexity.

More about their services: Commercial Collection Agency Services

Strengths of Their Model

For large corporations trying to recover six-figure business debts, The Kaplan Group offers a highly professional and strategic collection process. Their team has backgrounds in business, finance, and law, and they promote themselves as negotiators first, collectors second.

This works particularly well in high-stakes commercial disputes, where preserving the business relationship might be important—or where litigation might be necessary.

Where It May Not Be the Right Fit

While their services are impressive for large commercial accounts, The Kaplan Group’s model may not be suitable for landlords, property managers, or healthcare providers looking to collect smaller balances from individuals or tenants.

For example, their $10,000 minimum per new client creates a barrier for:

• Landlords recovering broken leases or missed rent under $5,000
• Senior living communities with monthly payment defaults
• Healthcare practices chasing balances from patients or insurance underpayments

In these cases, a flexible, client-aligned agency like Advanced Collection Bureau can provide more targeted support. ACB works with no upfront fees, handles accounts of all sizes, and is known for strong compliance, tenant-sensitive communication, and fast credit reporting.

Explore ACB’s approach in:
Why Landlords Trust ACB With Rent Collection
Senior Housing Debt Recovery: A Better Way

ACB vs. The Kaplan Group: Which Is Right for You?

While The Kaplan Group offers a high-level solution for commercial debt over $10,000, ACB’s model is built for flexibility, speed, and responsiveness, especially for:

• Residential property managers
• Medical practices
• Senior living providers
• Small businesses

At ACB, we provide:

• Credit reporting twice per month for faster leverage
• Dedicated U.S.-based agents (no overseas call centers)
• Skip tracing to locate hard-to-find debtors
• Professional, complaint-free debtor communication
• Only pay when we collect—no interest or hidden fees

Need to understand how ACB fits your business? Read:
How Contingency-Based Collection Protects Your Bottom Line

Final Thoughts

The Kaplan Group has earned a reputation as a boutique commercial collection agency. Their high-value, B2B approach may be a great fit for large companies handling complex disputes. But for most landlords, medical offices, or service providers working with individual consumers or smaller invoices, a more agile partner like Advanced Collection Bureau may be a better fit.

At ACB, we combine high recovery rates with unmatched compliance and client support. We’re not just about chasing debt—we’re about protecting your business, your time, and your reputation.

Looking for a better way to recover what you’re owed?
Start working with an agency that puts your business first. Work with ACB today.

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