California Small Business Debt Collection Agency

Recover unpaid invoices without risking your reputation.

California Small Business Collection Agency

Why Choose Our Collection Agency for Small Business in California?

Running a small business in California is hard work. When customers don't pay their bills, it puts a strain on your cash flow and makes it hard to cover your own expenses. You need a partner who understands how to get your money back without damaging your brand. HF Holdings, Inc. is a trusted collection agency for small business in California that helps you recover what you're owed. Since 2012, we've helped business owners across the state turn unpaid invoices into cash in the bank.

We operate on a simple "No Recovery, No Fee" model. This means you don't pay us a dime unless we successfully collect your money. This removes the risk for you. Whether you are a contractor in Sacramento County dealing with a non-paying client, or a tech service provider in San Francisco County waiting on a past-due account, we can help. Our team acts as an extension of your office. We are professional, firm, and respectful. We know that in local communities, your reputation is everything.

California has specific laws about how debts can be collected, including the Rosenthal Fair Debt Collection Practices Act. Our team knows these rules inside and out. We handle commercial collections with strict compliance to state and federal laws. This keeps you safe from legal trouble while we work to recover your funds. We serve businesses throughout Sacramento, San Diego, San Francisco, and surrounding areas. We combine local knowledge with a nationwide reach to find debtors wherever they go.

Sometimes, a debtor moves to avoid paying. In a big state like California, it's easy for people to disappear. We use advanced skip tracing technology to find individuals and businesses that have relocated. Whether they moved from San Diego County to another state, or just to a different city like Elk Grove or Daly City, we have the tools to track them down. We also look for hidden assets to ensure there is money to collect.

If standard collection efforts don't work, we have the power to escalate the case. We work with a network of attorneys who can take legal action if necessary. This bridges the gap between a collection agency and a law firm. We can handle judgment recovery, wage garnishment, and other legal steps. You won't need to hire a separate lawyer or start the process over. We handle the entire lifecycle of the debt for you.

We are proud of our track record and our 4.2-star rating on Google. Small business owners trust us because we get results. We are accredited by the Better Business Bureau and are members of ACA International and the International Association of Commercial Collectors (IACC). If you are tired of chasing payments and want to focus on growing your business, let us handle the debt recovery.

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Learn More About Collection Agency for Small Business

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Areas We Serve

HF Holdings, Inc. helps small businesses recover unpaid debts nationwide. Our experienced collection professionals support clients across the United States, including businesses located in:

Frequently Asked Questions

At HF Holdings, Inc., we make debt recovery simple and stress-free. With a focus on results, we aim to be your trusted debt collection partner for life. Have questions? Check out our FAQs or download our info pack for more details.


Our services typically cost nothing upfront because we work on a contingency basis. This is often called "No Recovery, No Fee." If we don't collect your money, you don't pay us for our effort. When we do collect, our fee is a percentage of the amount recovered. This creates a risk-free way for you to pursue unpaid invoices.

Yes, debt collection is legal in California, but it must follow strict rules. We adhere to the Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act (FDCPA). These laws protect consumers from harassment but allow businesses to recover legitimate debts. We ensure all our actions are fully compliant.

Yes, we serve businesses all over the state, not just in big cities. We work with clients in Sacramento County, San Diego County, and San Francisco County. We also serve nearby areas like Elk Grove, Folsom, Daly City, Oakland, Chula Vista, and El Cajon. No matter where your business is located, we can assist you.

If a debtor leaves the state, we can still help you. HF Holdings has a nationwide and international network. We use skip tracing to find their new address and contact information. Our legal network allows us to pursue debts across state lines and even in other countries like Canada.

The time to recover a debt varies based on the age of the debt and the debtor's financial situation. Some debts are resolved in a few weeks after our first contact. Others may take months if legal action or payment plans are required. We start working on your account immediately to get the fastest possible result.

To start collecting, we need proof of the debt. This usually includes copies of unpaid invoices, signed contracts, or purchase orders. Any communication you have had with the debtor, like emails or letters, is also helpful. The more information you provide, the better our chances of a successful recovery.

Yes, we specialize in judgment recovery. If you have already taken a debtor to court and won, but they still haven't paid, we can step in. We know how to enforce judgments through wage garnishment, bank levies, and property liens. We turn that court paper into actual money.

Using a professional agency like ours protects your reputation. We treat debtors with respect and follow all ethical guidelines. We act as a professional extension of your accounts receivable team. Recovering what you are owed is a standard business practice and shows that you take your financial health seriously.

Commercial debt is money owed by one business to another (B2B). Consumer debt is money owed by an individual for personal use. We handle both types. Commercial collections often involve larger amounts and different strategies than consumer collections. We tailor our approach based on the type of debt you need to recover.

Getting started is simple. You can contact us through our website or give us a call. We will review your situation and explain our process. Once you agree to our terms, you can submit your accounts to us. We handle the heavy lifting so you can get back to running your business.

Kickstart Your Recovery

HF Holdings, Inc

NO RECOVERY, NO FEE DEBT COLLECTIONS.
Requests are responded to within 24 hours.

Handshake on debt collection agreement
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