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Leading Debt Collection Agency Nationwide

Debt Collection Agency for Businesses

SWRS is the debt collection agency businesses trust — on-shore debt collectors specializing in commercial debt collection and accounts receivable management for all businesses. Our professional debt collectors work on contingency. We don’t get paid unless you do.

Your Trusted Partner

About Southwest Recovery Services

Southwest Recovery Services, LLC is a nationally recognized leader in Financial Business Process Outsourcing headquartered in Addison, Texas with 11 other locations throughout Texas as well as Colorado, Georgia, Missouri, Florida, Oklahoma, and Ohio. Our advisors are standing by and ready to help keep you from unnecessary financial shortfalls.

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Industries We Serve

Southwest Recovery Services has spent 22+ years building our expertise across nearly every industry and business sector. Whether your business is a multimillion-dollar industry leader or not much bigger than a startup, it’s important that every business excel on their core competencies. Let Southwest Recovery Services handle your back and front office BPO so you can focus on growing your business.

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Testimonials

What Our Customers Say

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Mike Lloyd profile picture
Mike Lloyd
65 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Horrible service who does't even verify information before sending nonsense threats.
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Walter Causey profile picture
Walter Causey
238 days ago
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I would like to leave a review for Mrs. Lisa Head. I had the pleasure of working with Mrs. Lisa. And I must say, she's a very professional person to work with handling your personal affairs. I would like to recommend if there's something that you need care taking care of, in a professional way. Ask to speak to Mrs. Lisa Head. She went above and beyond in my situation, and I must say, I'm truly grateful. Wishing you all the best....sincerely Walter
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kevin Boyal profile picture
kevin Boyal
279 days ago
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Very disappointing experience. I hired this collection service to recover a $5,000 judgment. They promised they could collect it and required an upfront fee of about $300, which I paid. After that, communication was extremely poor. For months, every time I called, I was told they hadn’t done anything yet. After more than six months, they finally told me they could not recover the money due to some law in Texas. If that was the case, this should have been disclosed upfront—especially before taking my money. I asked for a refund of the $300, and from that point on, they completely stopped responding. No calls returned, no follow-up. This company does not stand by what they promise and operates very unprofessionally. I am very disappointed and would not recommend their services to anyone.
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Dane Cunningham profile picture
Dane Cunningham
288 days ago
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Tried valiantly for 20 minutes to use them. all AI bots and no way to initiate service...WILD!
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Celeste Evans profile picture
Celeste Evans
388 days ago
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Service Near Contact
503 days ago
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This is the worst business we've ever dealt with. They don't reply to anything. They have no success in collecting any money. The staff is rude and unprofessional. Brenn Morrow is the worst, a condescending and petty little guy. The accountant Pat Harris has is a ghost. We have many thousands of properties under management. I will make sure to tell other property management firms not to use this firm ever.
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Sonya Green profile picture
Sonya Green
536 days ago
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We’re a small family-run urgent care. We tried doing all billing in-house, but overdue balances stacked up. Patients either ignored us or made empty promises. My office manager reached out to Southwest Recovery. They were direct but not aggressive. They walked us through the laws, handled communication, and recovered accounts we thought were long gone. Best part—they treated our patients like humans, not numbers.
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Mike Miller profile picture
Mike Miller
575 days ago
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Andre was very professional and a good Texas Man. His job is hard and everyone he talks too only tries to ignore him, but he does it with compaction. He was he very helpful and showed warmth in trying to help. Thanks
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Madouna Soliman profile picture
Madouna Soliman
629 days ago
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Brandi Schrade was a great help.
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Cristal Fetters profile picture
Cristal Fetters
700 days ago
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Not sure who this company is. Just got a message from my ex husband of 20+ years that he received a call from them stating they needed to talk to me. I call the number by the way was a local number. It rang and then a female picked up. Did not identify what company until I asked. She stated that there was a business matter that they had with me, I asked how they got my ex husbands number and she stated they look up anyone associate to the person they are looking for. After 10 minutes into the call she still did not tell me what why they were trying to reach me. Just excuses of we sent messages, called and emails and got no response. So you start searching for people to call to find me! Major scam
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Locations

Find an Expert Near You

Southwest Recovery Services is nationally recognized as an ethical, professional and diplomatic service provider in receivables management. Whether challenged with past due receivables or don’t have the human infrastructure to reach your goals, Southwest Recovery Services has a solution. We currently maintain twelve strategically located offices across seven states and are ready to serve your business needs today!

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Get In Touch

Building A Better Business Together

We help you collect what you’re owed without burning the customer relationships you spent years building. That’s the whole job. Our services (Business Process Outsourcing, Accounts Receivable Management, Revenue Cycle Management, First and Third-Party Recovery) bend around your portfolio, not the other way around. The technology helps. The team makes it work.

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Frequently Asked

Questions Business Owners Ask Us

Southwest Recovery Services works on a contingency-fee basis. There are no upfront fees, no monthly retainers, no setup costs. We only earn a percentage of what we successfully recover. The percentage varies by account age, balance size, and account type (commercial vs consumer) — older accounts and lower balances carry higher rates because they require more work to recover. Request a quote to get exact pricing for your portfolio.

Setup is fast: most clients are onboarded and placing accounts within 24 to 48 hours of initial intake. Recovery timeline itself depends on the account profile. Fresh commercial accounts (under 90 days past due) often resolve within 30–60 days. Aged accounts, disputed invoices, and skip-traced debtors take longer. We give every client an honest realistic outlook on each account during our initial review — you will know which accounts are likely recoverable before you commit.

Both. Commercial (B2B) debt is our core business and we collect across all 50 U.S. states — no geographic restrictions on commercial accounts. For consumer (B2C) debt, we collect in 48 states; we do not collect consumer debt in Washington or Oregon. Our commercial division operates under standard contract-law principles and the FDCPA where applicable. Our consumer division operates under strict adherence to FDCPA, CFPB Regulation F, and individual state-overlay regulations.

Yes. Southwest Recovery Services has maintained flawless regulatory compliance since 2004. We are licensed and bonded in all 50 states where required, and every account is worked under the appropriate compliance framework: FDCPA, CFPB Regulation F, FCRA, TCPA for phone contacts, HIPAA for healthcare accounts, and applicable federal bankruptcy laws. Southwest Recovery Services is also a BBB-Accredited Business with the Better Business Bureau of North Central Texas, and an ACA International member.

No. Protecting your customer relationships is core to how we work. The vast majority of debts we recover come from outreach the debtor responds to professionally — not aggressive tactics. Our collectors are trained to investigate the root cause behind non-payment (cash-flow squeeze, dispute, miscommunication, genuine inability to pay) and to find a resolution that recovers your money without burning the bridge. For commercial accounts especially, we treat your debtor as your future customer — because frequently they are.

Three reasons. First, 22+ years of recovery experience since 2004 across all 50 states and 10 industry verticals. Second, 12 regional offices across seven states (Texas, Oklahoma, Colorado, Missouri, Ohio, Florida, Georgia) staffed with local collectors who understand state-specific compliance and regional business norms. Third, contingency-only pricing — if we don’t collect, you don’t pay.