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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.

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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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How we can help

Services We Provide

Southwest Recovery Services provides a wide range of debt collection services. 

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Debt Recovery
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Revenue Cycle Management
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Accounts Receivable Management
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Consulting Services
Contact Our Experts
We’ve got you covered

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.

Automotive

Commercial

Consumer

Government & Municipality

Insurance & Subrogation

Medical & Healthcare

Logistics Management

Oil & Gas

Rental & Leasing

Utility
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Testimonials

What Our Customers Say

 
 
 
 
 
 
 
 
 
 
 
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 Abby Martin 
 
2026-08-12
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5 
Steven was very helpful in helping me to get an outstanding debt that I was unaware of resolved. I would recommend this level of customer service to anyone.
  
 
 
 
 
 
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 Brian Seales 
 
2026-07-30
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5 
Southwest Recovery has been great at communicating with us and tirelessly attempting to collect on debts. Highly recommend.
  
 
 
 
 
 
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 Daniel B. (Daniel B.) 
 
2026-05-01
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5 
They were unable to help me due to the specifics of my situation, but Hunter responded with a brief email clarifying why and pointed me in the right direction.  If they showed good customer service with a non client, I would certainly be their client if needed in the future!
  
 
 
 
 
 
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 Wade Killough 
 
2025-10-20
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5 
Toni J was professional, prompt, and courteous. Thank you!
  
 
 
 
 
 
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 Travis Ferguson 
 
2025-10-03
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5 
Toni Jackson was attentive, professional, helpful, and followed through during the process.
  
 
 
 
 
 
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 Ana Lopez 
 
2025-10-03
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5 
Toni Jackson did a great job helping me make my payment. Very polite, informative, and clear. Explained everything and answered all my questions.
  
 
 
 
 
 
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 Will Arnett 
 
2025-10-02
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5 
Never thought I'd be saying I'm glad to of done business with a debt recovery service but boy am I glad they got it. Basically I was being sent to collections by a shady company that had no real reason to be doing so, and of course I got an email from Southwest recovery stating the issue and showing everything I needed to know. I knew I didn't owe it so I worked with Sawyer back and forth and they did indeed confirm that the company was not supposed to be getting payment from me. Thanks guys for saving me a pretty big chunk of change!
  
 
 
 
 
 
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 Ty Wil (FEWFitness) 
 
2025-09-10
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5 
Leslie Was very professional and kind. She made the process easy and fast.
  
 
 
 
 
 
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 Donna Goodwin 
 
2025-08-27
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5 
Just have to give a shout out to Lisa H. with Southwest Recovery. From the initial hello when she answered my call to the final call she showed professionalism and kindness. She was eager to help me and with her industry background was able to even provide more information to help my situation. I wish all customer service had her kind, courteous and professionalism. We need more like her! Thanks Lisa!!
  
 
 
 
 
 
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 Lois Lee 
 
2025-08-26
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5 
Ms Tony Jackson was very professional, and very kind and understanding, she was sensitive to my situation and helped me with resolving my situation, on a scale from one to ten I rate Ms Jackson a10.5
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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.