How does your Kentucky debt collection agency operate?

Our Kentucky-based commercial debt collection specialists use a comprehensive approach to recover outstanding payments. This includes direct phone communication, professional demand letters, email campaigns, skip tracing, and in-person collection efforts. If necessary, we also pursue legal action on a contingency basis, ensuring businesses face no financial risk when partnering with us. With our results-driven process, you only pay when we successfully recover your debt.

When should I hand over my accounts to you?

If your customer is more than 60 days overdue and has stopped responding to payment requests, it’s time to transfer the account to our Kentucky commercial debt collection team. Debts that are 90-120 days past due should be placed in collections immediately to improve recovery rates. While Miller, Ross & Goldman has successfully recovered debts that are more than a year old, acting quickly increases the chances of full repayment.

How long will it take for you to recover outstanding debts?

Debt recovery timelines vary based on the complexity of the case, debtor responsiveness, and other factors. However, most Kentucky collections are resolved within 10-30 days. Entrusting us with your overdue accounts as soon as possible leads to faster and more successful debt recovery.

Will your services damage my customer relationships?

At Miller, Ross & Goldman, we prioritize professionalism and respect throughout the debt collection process. Our Kentucky commercial debt collection strategies focus on preserving business relationships while ensuring that clients receive the payments they are owed. We understand that financial difficulties can be temporary, and our approach allows for amicable resolutions whenever possible.

Kentucky Commercial Debt Collection Agency

Your Kentucky Commercial Collections Partner

For over 30 years, Miller, Ross & Goldman has been a trusted ally to businesses throughout Kentucky, helping them quickly recover overdue payments to ensure their stronger financial and operational stability. MRG's role in the Bluegrass State extends beyond that of a standard commercial collection agency—we are a dedicated partner in supporting the diverse industries that make up Kentucky’s economy. Whether serving the fast-growing businesses of Louisville and Lexington or the manufacturing and logistics hubs in Bowling Green and Covington, we provide professional B2B debt recovery services that yield exceptional results. From small family-owned companies to large corporations, our teams consistently outperform other commercial collection agencies and collection law firms across Kentucky.

"Hire and train the best, work harder than all the rest."

Don't Wait, Get Paid!

B2B (Business-to-Business) Debts Only

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95%

Consistent Collections
Success Rate

A+

Rated & Accredited by the Better Business Bureau

More $ Collected Over Competing Attorneys & Collection Agencies

Kentucky Commercial Debt Collection & Recovery Services

Commercial Debt Collection

Kentucky’s business landscape is built on industries ranging from logistics and manufacturing to healthcare and agriculture, each presenting unique debt collection challenges. At Miller, Ross & Goldman, we develop tailored collection strategies designed to fit the needs of businesses across these diverse industries. Our approach ensures maximum recovery efficiency while preserving the valuable relationships that drive Kentucky’s economy forward. Through a combination of direct outreach, negotiation techniques, and customized recovery plans, we help businesses recover outstanding debts quickly and professionally.

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Nationwide Legal Support

While our primary goal is to resolve debts without litigation, there are instances where legal action becomes necessary. Our Kentucky clients benefit from a highly skilled legal team that operates on a contingency basis, meaning no upfront fees are required. This allows businesses to pursue legal debt recovery without financial risk. Whether securing judgments, enforcing liens, or utilizing other legal avenues, our team is committed to achieving the best possible outcome for our clients.

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Construction Lien Services

Kentucky’s construction industry plays a vital role in the state’s infrastructure and economy. Ensuring timely payments is essential for contractors, suppliers, and developers. Our specialized lien services are designed to protect your financial interests by securing unpaid invoices. For eligible Pre-Collect assignments, we provide lien services at no additional cost, giving construction businesses the security they need when working on large-scale projects across Kentucky.

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Our Commitment to Your Success

When you partner with Miller, Ross & Goldman, you gain a team dedicated to your financial success. We proudly offer a no-recovery, no-fee guarantee to businesses throughout Kentucky, ensuring that our services carry zero risk. Our expertise in commercial debt collection allows Kentucky businesses to recover lost revenue efficiently while maintaining a strong financial standing in a competitive market. With our results-driven approach, you can trust us to handle your debt recovery needs professionally and effectively.

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Understanding Kentucky’s Debt Collection Laws

Navigating debt collection laws in Kentucky requires a deep understanding of both state and federal regulations. As your trusted collection partner, we ensure full compliance with Kentucky’s legal framework while maximizing the efficiency of our debt recovery efforts.

Statute of Limitations on Debt Collection in Kentucky

Creditors in Kentucky must adhere to strict deadlines when pursuing legal action for unpaid debts. The following statutes apply to commercial debt collection:

Written Contracts – 10 years
Oral Agreements – 5 years
Promissory Notes – 15 years
Open Accounts (e.g., business credit lines, invoices) – 5 years

Once the statute of limitations expires, creditors lose the right to take legal action to collect a debt. Acting quickly is essential to securing payment and protecting your company’s financial stability.

Kentucky Debt Collection Laws & Regulations

Kentucky follows federal debt collection regulations but also has unique state-specific laws that impact commercial collections.

No Special Licensing Required – Kentucky does not mandate state licensing for collection agencies, though compliance with the Fair Debt Collection Practices Act (FDCPA) remains essential.
Pre-Judgment Remedies – Creditors in Kentucky may seek pre-judgment remedies such as attachments or garnishments to secure assets before obtaining a court ruling.
Post-Judgment Enforcement – Kentucky judgments remain enforceable for 15 years, allowing creditors to recover debts through liens, wage garnishments, and bank levies.
Interest on Outstanding Debt – Kentucky law permits creditors to charge interest on overdue commercial debts, either at the contract rate or the state-mandated rate if no agreement exists.

How Kentucky Debt Collection Laws Differ from Other States

Kentucky’s commercial debt collection laws offer a unique balance between creditor rights and debtor protections. The extended statute of limitations for written contracts and promissory notes gives creditors more time to recover debts compared to many other states. Additionally, Kentucky allows businesses to include reasonable attorney fees in debt collection contracts, providing added protection when legal action is required. Understanding these laws helps businesses navigate debt recovery more effectively and ensures compliance with all applicable regulations.