Why Choose Our Collection Agency for Small Business in Florida?
Running a business in Orlando is hard enough without chasing down unpaid invoices. HF Holdings, Inc. is a local collection agency for small business in Florida that helps you get your money back fast. We've been located right on Orlando Central Parkway since 2012, so we understand the local economy better than those big national call centers. We are also a full small business debt collection agency nationwide, so Florida clients get local knowledge with national resources.
You need a partner who knows the rules. Florida has strict laws under the Florida Consumer Collection Practices Act (FCCPA). If you hire an out-of-state agency, they might break a rule and get you sued. We know exactly how to collect debts legally and respectfully here in Orange County.
We believe you shouldn't throw good money after bad. That's why we use a "No Recovery, No Fee" model. You don't pay us any upfront costs. We only get paid when we successfully collect your money. It's a risk-free way to improve your cash flow.
Sometimes debtors move to avoid paying what they owe. We use advanced skip-tracing technology to find people who have skipped town. Whether they moved to an apartment in Altamonte Springs or left the state entirely, we have the tools to track them down.
Sending letters doesn't always work. Unlike other agencies, we have an in-house legal team and a network of attorneys. If a debtor refuses to pay, we can escalate the case to litigation. We handle judgment recovery, wage garnishment, and bank levies to get you what you earned.
Your reputation matters to us. We have an A- rating with the BBB and nearly 400 Google reviews with a 4.2-star rating. We treat your customers with respect while being firm about your money.
Get You Free Quote TodayHow long do you have to collect a past due invoice in Florida?
It depends on what you have in writing. Florida gives you five years to sue on a written contract and four years on an oral agreement or an open account, under Florida Statutes section 95.11. A signed agreement is worth far more than a handshake once a debt goes bad, and not just for the extra year. Once the limit passes, the debt is time barred, and the court can dismiss the claim even when the balance is obviously owed.
We are headquartered right here in Orlando, so Florida accounts are home turf for us. Before we start, we check your debt against the statute of limitations and the documents you provide. Waiting is the expensive part. A hospitality vendor serving the Orange County tourism corridor or a subcontractor on a Tampa build has more pull on a recent invoice than on one that has aged for years, because every month gives the debtor more room to move money, close up, or disappear.
What happens when a Florida debtor refuses to pay?
The account does not just sit there. We escalate it. Florida has one of the strongest wage protections in the country, the head of household exemption, so a debtor who provides more than half the support for a dependent can shield their wages unless they agreed in writing to allow garnishment. That means chasing wages is often a dead end, and knowing it up front saves you time. The tools that do work are a writ of garnishment on a bank account, a judgment lien recorded in the county where the debtor owns real estate, a judgment lien certificate filed with the state for personal property, and a writ of execution.
We verify the debt, skip trace the debtor, work the file, and escalate to an affiliate attorney in the debtor's Florida jurisdiction when needed, then handle the judgment collection and recovery after a win. One thing worth knowing: Florida's own collection law, the FCCPA, is broader than the federal rules and applies when your customer is an individual who bought for personal use. For business to business debts those consumer rules usually do not apply, but we document every step either way, which protects you if a debtor goes looking for a violation.
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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.
