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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

 
 
 
  
GoodGoogle star 1Google star 2Google star 3Google star 4Google star 54.0235 reviews
 
4.0Google star 1Google star 2Google star 3Google star 4Google star 5
 
Good235 reviews
 
 Write a review 
 
 
 
 
 
 
 
 
 
 
 
 
 
 Posted on Google Google 
 
 
 
 
 
 Walter Causey 
 
241 days ago
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
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
  
 
 
 
 
 
 Posted on Google Google 
 
 
 
 
 
 Celeste Evans 
 
391 days ago
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
  
 
 
 
 
 
 Posted on Google Google 
 
 
 
 
 
 Sonya Green 
 
539 days ago
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
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.
  
 
 
 
 
 
 Posted on Google Google 
 
 
 
 
 
 Mike Miller 
 
578 days ago
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
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
  
 
 
 
 
 
 Posted on Google Google 
 
 
 
 
 
 Madouna Soliman 
 
632 days ago
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
Brandi Schrade was a great help.
  
 
 
 
 
 
 Posted on Google Google 
 
 
 
 
 
 Gertrude Roberts 
 
886 days ago
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
Thank you Brandi you are so sufficient and helped me get my balance taken care of
  
 
 
 
 
 
 Posted on Google Google 
 
 
 
 
 
 Scott Jackson 
 
891 days ago
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
Brandi was amazing - she was very helpful and forthcoming with information and followed through on her commitments
  
 
 
 
 
 
 Posted on Google Google 
 
 
 
 
 
 shanitra Alexander 
 
892 days ago
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
Obviously finding out you have debt is stressful but  Brandi Schrade made the process very easy she gave me all the information I needed and was extremely nice throughout the process she definitely deserves a raise!!!
  
 
 
 
 
 
 Posted on Google Google 
 
 
 
 
 
 Erica Rynkowski 
 
915 days ago
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
Brandi Schrade was an amazing person to work with.She made the process go very easy and went above and beyond to help me out!
  
 
 
 
 
 
 Posted on Google Google 
 
 
 
 
 
 katrina roby 
 
997 days ago
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
I never thought i'd be enthused about being in debt and having a positive attitude towards the situation. They worked with me and allowed me to feel comfortable with my payments. if i could give 6 stars i would. Thanks again guys!
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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 eight 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 in nationwide collections across 12 industries and 60 verticals. Second, 12 regional offices across eight states (Texas, Oklahoma, Colorado, Missouri, Ohio, Florida, Georgia, Minnesota) 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.