In this blog, we’ll explore who Cedar Financial is, what they offer, and how they compare to niche-focused agencies like Advanced Collection Bureau (ACB). If you’re trying to decide which collection partner is right for your business, this breakdown will help.
Where Is Cedar Financial Based?
Cedar Financial operates out of California with offices in both Woodland Hills and Calabasas. Their main contact page lists:
- Address: 21650 Oxnard Street, Suite 1590, Woodland Hills, CA 91367
- Phone: 800-804-3353 or +1-818-740-7996
- Website: cedarfinancial.com
For legal collections, they also operate a dedicated enforcement team based in Calabasas, CA:
Contact their legal division
What Does Cedar Financial Do?
Cedar Financial offers a range of services including:
- Domestic U.S. debt collection
- International debt recovery in over 100 countries
- Accounts receivable purchasing (AR buyout)
- Government and municipality collections
- Commercial and B2B collections
Their process begins with soft collection methods such as phone calls and digital outreach, and progresses to legal action if needed. Cedar emphasizes cultural sensitivity, especially for international debtors, and partners with in-country agents to manage cross-border issues effectively. You can learn more about their global network on their international collections page.
They also provide a client dashboard for real-time updates, and their services are offered on a contingency-fee basis—meaning you only pay when they collect.
Where Cedar Financial Excels
One of Cedar’s biggest selling points is its international scope. If your business has delinquent accounts abroad, their multilingual agents and in-country partnerships could be a real advantage. Their clients include universities, multinational corporations, and government offices that need to pursue balances across borders.
They also focus heavily on compliance and maintaining brand integrity, promising to uphold your reputation even when collections get difficult. This "dignity-first" approach aligns well with modern standards for ethical debt recovery.
But What About Rent Collections and Landlords?
While Cedar Financial covers a broad range of industries, there’s little to suggest they specialize in residential rent collections or broken lease accounts. That’s a critical distinction. If you’re a property manager or landlord, your needs are different from a university or retail chain.
For example, ACB focuses specifically on rent recovery and tenant delinquencies. We understand the challenges of chasing down unpaid rent, especially after a lease is broken or when tenants vanish without forwarding information. Our credit reporting is updated twice monthly—more frequently than many national agencies—and our skip tracing tools are designed to locate hard-to-reach debtors fast.
Want to dive deeper into why this specialization matters? Read our post on 5 Strategies for Improving Debt Recovery in Apartment Communities. Or, if you’re looking at multiple agencies, our guide on Choosing the Best Outsource Debt Collection Agency outlines how to vet your options effectively.
How Does Cedar Financial Compare to ACB?
Cedar Financial is a strong choice for businesses that need multi-country coverage or work in sectors like education or government. But for landlords, property managers, and those focused on rent collection, ACB offers targeted expertise that generalist firms may lack.
We also offer contingency-based collections with no hidden fees. And unlike many agencies, all ACB work is done in-house by trained professionals—we never outsource. That means you get consistent service from a dedicated team who knows your account and your industry.
To explore what working with ACB looks like, visit our Work With Us page or explore our blog on Debt Collection Services for Government-Subsidized Housing if your property qualifies for such programs.
Final Thoughts
Cedar Financial is well-established in the collections industry, especially for international and B2B debt. Their compliance-first model and global reach may be a great fit for certain businesses. But for property managers, landlords, and organizations dealing with tenant delinquencies, a specialized partner like ACB may offer more focused strategies and better results.
Always match the agency’s strengths to your specific debt recovery needs. Generalist agencies like Cedar have broad reach—but targeted agencies like ACB often deliver better performance where specialization counts.
