Collection Agency in Orlando, Florida

Serving Florida Businesses Since 2001

Call (877) 680-6064

HF Holdings, Inc. is an Orlando-based debt collection agency serving businesses throughout Florida and nationwide. Located at 1707 Orlando Central Pkwy in the heart of Central Florida, we have spent more than two decades recovering commercial, consumer, medical, and utility debt for Florida businesses of every size.

We are not a call center in another state. We are based in Orlando, licensed in Florida, and operate under both the FCCPA and federal FDCPA. We work on a contingency basis. If we do not collect, you do not pay.

Collection agency office in Orlando, Florida

Debt Collection Services for Orlando and Florida Businesses

We recover unpaid balances across industries and account types. Click any service below for details.

We recover B2B debts for Florida companies across industries. Early placement within 60 to 90 days is critical for maximum recovery rates.

We work with hospitals, clinics, and specialty practices throughout Orlando. All activity is HIPAA-compliant under a Business Associate Agreement.

Our no-fee model lets you hand off delinquent accounts without adding overhead. We handle follow-up, compliance, and collections while you run your business.

We recover consumer balances for service providers, landlords, and membership organizations in full FDCPA compliance.

We enforce money judgments through wage garnishment, bank levies, and property liens. We know which Florida exemptions apply and which assets are reachable.

Our team locates debtors who have changed addresses or moved out of state using commercial databases, public records, and digital research tools.

Professional debt collection team meeting in Orlando office

Why Orlando Businesses Choose HF Holdings

Based in Orlando and licensed in Florida. Not a national call center applying generic processes to Florida accounts.

Our contingency model means no monthly charges, no setup fees, no cost for accounts we cannot recover.

For accounts requiring legal action, we work with vetted Florida collection attorneys who can file suit, obtain judgments, and pursue enforcement.

Florida has its own FCCPA in addition to the federal FDCPA. We train our collectors on both and monitor every client program for compliance.

From early-stage delinquency through judgment enforcement, we handle every phase so you do not need multiple vendors.

Monitor the status of every account placed with HF Holdings at any time through our secure online portal.

Modern debt collection office with technology dashboard

Florida Debt Collection Laws: What Businesses Should Know

Collecting debt in Florida requires navigating both state and federal law. Florida's FCCPA provides consumer protections beyond the federal FDCPA. Florida also has specific wage garnishment rules and one of the strongest homestead exemptions in the country. Experienced, licensed professionals who know these limits recover more while staying compliant.

For a detailed breakdown, see our Florida Debt Collection Laws guide.

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Kickstart Your Recovery

HF Holdings, Inc

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

Handshake on debt collection agreement

Learn More About Collection Agency in Orlando, FL

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Areas We Serve in Central Florida

HF Holdings, Inc. provides professional debt collection services throughout Central Florida and beyond. Our Orlando-based team serves businesses in the following areas:

Orlando Winter Park Kissimmee Sanford Lake Mary Altamonte Springs Maitland Oviedo Clermont Lakeland Tampa Jacksonville Miami Fort Lauderdale All of Florida and Nationwide
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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.


Call Toll-Free: (877) 680-6064

Both. HF Holdings is headquartered in Orlando at 1707 Orlando Central Pkwy, Suite 440, and we have operated in the Central Florida market for over 20 years. We are also a national agency with the licensing and legal network to pursue accounts in all 50 states. For Orlando and Florida businesses, you get the benefit of a local team that knows the Florida market combined with the resources of a full-service national agency.

We work with a broad range of Orlando-area businesses including healthcare providers, law firms, construction and contracting companies, property management companies, retail businesses, service providers, educational institutions, utilities, and financial institutions. If your business has customers who owe a balance and have not paid despite your own efforts, we can help.

Florida has its own Consumer Collection Practices Act (FCCPA) that adds protections beyond the federal FDCPA. Florida also has unusually strong debtor protections including the homestead exemption and head-of-household wage garnishment shield. These do not prevent collection. They shape the strategy. HF Holdings is fully trained on Florida-specific requirements and adjusts our collection approach accordingly.

Yes. Many Orlando-area debtors relocate to other states. Our national licensing and attorney network allow us to follow accounts wherever the debtor has moved. We have collection attorneys in every state who can pursue legal remedies if needed after relocation.

Yes. We handle commercial debt between businesses (B2B) as well as consumer debt owed to businesses by individual customers. The legal frameworks differ significantly. Commercial collections are not governed by the FDCPA, while consumer collections are. We manage both types in compliance with their respective requirements.

For most account types, 60 to 90 days past due is the ideal placement window. Recovery rates decline significantly after six months. The longer an account sits, the more likely the debtor's financial situation changes, contact information becomes outdated, and assets become unreachable. Earlier placement consistently produces better results.

Yes. We report to Equifax, Experian, and TransUnion for eligible accounts. Credit bureau reporting is a powerful motivator for payment and is handled in full compliance with the Fair Credit Reporting Act (FCRA). We never report inaccurately and maintain documentation for every account we report.

Yes. Florida judgment enforcement requires knowledge of the state's exemption framework, including the homestead exemption, head-of-household wage protection, and retirement account exemptions. Our Florida attorney network can pursue wage garnishment, bank levies, and property liens on non-exempt assets. We assess what a specific debtor has that is reachable before recommending an enforcement strategy.

We operate on a contingency basis, meaning there is no fee unless we collect. When we do collect, we keep a percentage of the recovered amount as our fee and remit the remainder to you. The percentage varies based on account age and complexity. There are no setup fees, no monthly charges, and no fees for accounts we are unable to collect.

You can request a free quote by filling out our online form or call us toll-free at (877) 680-6064. We respond to all inquiries within 24 hours. You can also submit accounts directly through our Submit an Account page. Once your account is placed, you will have immediate access to our 24/7 client portal to monitor progress.
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